我国农业保险政策优化问题研究——基于道德风险视角

On the Policy Optimization of Agricultural Insurance——Based on the Moral Risk

近年来,我国食品安全问题事件频发,不仅严重影响了人民群众的身体健康和生活质量,还一定程度上损害了政府相关职能部门的公信力。在系统梳理了国家由于实行政策性农业保险而导致的农产品生产者潜在的"道德风险激励"问题后,以陕西省的政策性农业保险为例,分析由此带来的潜在道德风险激励,最后在分析的基础上对现有的政策、保险设计以及与其他金融工具相结合等方面提出优化建议,以期减少道德风险激励的可能性。

The safety of the agricultural goods has now become one of the serious problems facing by China while it steps into its modern society. This paper analyzes the moral risk arising from the famers while they are producing the agricultural goods and the market controllers while they are in charge of the agricultural transfer. Taking the Shanxi province into consideration, this paper reaches the reasons of the moral risks and offem the methods to solve it out. The policies modified and the new design of insurance policy can be the optimized methods to reduce the moral risks during the production of agricultural goods.