摘要
近年来,巨灾风险频繁发生,我国农业经济遭遇严重挑战,加快农业巨灾保障体系构建已经迫在眉睫。然而作为一个庞大并且复杂的系统性工程,农业本身的弱质性与特殊性,使得农业巨灾保险保障体系的构建显得尤为复杂。本文基于保险经济学、新制度经济学、数理统计学、福利经济学、不确定性决策理论、市场增进理论等,从微观到宏观,国外到国内两个层面,对农业巨灾风险的市场机制及政府行为的相关国内外文献,进行了归纳和梳理,并结合我国国情,提出了农业巨灾保险保障体系构建过程中政府和市场各自应实现的目标,以及未来需要重点关注的研究方向。
The frequent catastrophes in recent years have severely hassled the agricultural industry in China. As a result, building a sound catastrophe insurance system is imminent. But to build a catastrophe insurance system is a huge and complex systematic project, and due to agriculture' s inferiority and particularity, building such a system for agricultural risks is even more complex. This article is based on insurance economics, mathematical statistics, welfare economics, insurance uncertainties decision theory and the market enhancing theory. It reviewed and summa- rized existing relevant literature on the market mechanisms and government actions towards agricultural catastrophe risks at micro and macro levels within and without China. Then with consideration to China' s specific situations, it put forward the government and market' s goals which should be achieved in the process of building the agricultural catastrophe insurance system and the focus of research in the future.
出处
《保险研究》
CSSCI
北大核心
2015年第3期62-70,共9页
Insurance Studies
基金
国家社科基金西部项目"西部地区农村养老保障体系建设中的政府责任研究"(项目编号:11XSH029)
安徽省高校人文社科重点项目"安徽省农业巨灾风险保障体系构建研究"(项目编号:SK2014A155)
安徽财经大学资产价格与金融稳定学科特区资助项目"政府财政补贴对农业保险价格的影响研究"(项目编号:aczcjgyjrwd2014zd10)
安徽钰诚融资租赁研究中心资助项目"保险业参与农村融资租赁服务三农模式研究"(项目编号:YB2014003)
关键词
农业巨灾风险保障体系
市场机制
政府行为
研究述评
agricultural catastrophe insurance system
market mechanism
government action
research review