甘肃省政策性农业保险发展困境及解决路径研究——基于政策性农业保险行为主体的视角

Research of Gansu's policy-oriented Agricultural Insurance Problems and Countermeasures—Based on Perspective of Participants

甘肃省政策性农业保险自试点以来取得了一定的进展,但也面临一些突出问题。政府方面,保费补贴结构不合理,税收优惠不足,巨灾风险分散制度缺失;保险公司方面,农业保险基层服务网络建设滞后,经营管理欠规范;农户方面,有效需求不足。为促使甘肃省政策性农业保险发展,必须完善农业保险政府支持手段,提高保险公司农业保险服务水平,切实增加农户有效需求。

The policy-oriented agricultural insurance of Gansu has made a certain degree of progress sincethe pilot was taken,but it also faces some highlightened problems.On the part of government,the subsidystructure of insurance premiums is lack of rationality,the system to spread catastrophe risk is lacking;onthe part of insurance company,agricultural insurance service network at the grass-roots level is lagged,themanagement is short of standard;on the part of farmer,effective demand is not sufficient. To promote thedevelopment of agricultural insurance of Gansu Province,the government should perfect support means,insur-ance company should improve service levels and farmer＇s effective demand should be increased.