中国政策性农业保险效率研究——基于交易成本角度

The Empirical Research on the Efficiency of Policy-sponsored Agriculture Insurance in China: Based on the Perspective of Transaction Cost

随着中国政策性农业保险市场的迅速发展，如何评价农业保险的效率成为学者们研究的重要问题，对于交易成本与农业保险效率之间的关系问题，鲜有研究尤其是实证研究。本文从交易成本角度，建立农业保险效率评价指标体系，使用Berger、Cummins和Weiss的附加值法来确定投入和产出变量，利用2007～2012年中国农业保险的经营数据，实证研究交易成本角度的中国农业保险效率，包括农业保险行业效率、农业保险交易效率和农业保险经营效率，以评价我国农业保险的资源配置效率和行业竞争力。

With the rapid development of China＇ s policy-sponsored agricultural insurance market, how to evaluate the efficiency of agricultural insurance has become an important issue for scholars. For the relationship between transaction cost and agricultural insurance efficiency, few researches have been done, not to mention empirical re- searches. Therefore, proceeding from the perspective of transaction cost and based on the agricultural insurance op- eration data of,this article established an evaluation index system for evaluating agricultural insurance efficiency. U- sing the Berger, Cummins and Weiss value added method to determine the input and output variables,it studied em- pirically the efficiency of China~ agricultural insurance ,including the agricultural insurance sector＇s efficiency, ag- ricultural insurance transaction efficiency, and agricultural insurance operation efficiency, and ultimately the effi- ciency of resource allocation and industry competitiveness for agricultural insurance in China.