废弃农畜产品回收环节农业保险主体决策分析

Decision Analysis of Agricultural Insurance Subjects in Recovery of Abandoned Agricultural and Livestock Products

对目前我国废弃农畜产品回收环节频现的随意丢弃、非法收购贩卖问题,在该环节实施农业保险以促进废弃农畜产品的回收利用是有效解决对策。为明确该环节实施农业保险相关主体——农户、保险公司与政府部门的决策及其影响因素,促进这一环节农业保险的顺利开展,考虑到消费者对农产品质量安全以及社会效益的重视程度,利用优化模型分析了该农业保险参与主体的农户努力水平、保险公司保费以及政府补贴决策及其影响因素。主要结论表明:当消费者对农产品质量安全重视程度过低时,增强该重视程度对农户来说不一定有利;当平均理赔率低于某一值时,消费者对社会效益的重视程度增强将使单位保费上涨。

For the problems of randomly discarding and illegal acquisition and selling of abandoned agricultural and livestock products, agricultural insurance is an effective solution which can promote recycling and utilization of aban- doned agricultural and livestock products. In order to darify factors influencing decisions of various agricuhural in- surance subjects including farmers, insurance companies, and relevant government departments, and facilitate its smooth development, the paper applied optimized models to analyze the effort level of farmers, insurance premiums of insurers and the government subsidy, taking into consideration consumer＇s attention to the quality and safety of agricultural products and the social benefit. The main conclusions showed that when the consumer＇ s attention to product quality and safety was low, it was not necessarily advantageous for the farmers to lift consumer attention, and when the average claim rate was below a certain amount, the unit premium would increase with the heightened con- sumer attention to the social benefit.