我国政策性农业保险主体利益协同度分析

Analysis on Synergy Degree of Subject Interests in China's Policy-oriented Agricultural Insurance

采用协同学理论构建SAR模型,量化并分析了2004-2014年我国政策性农业保险主体利益的协同度。结果表明,我国农业保险主体利益协同度总体上呈上升趋势,但是各主体利益协同度仍然较低,政策性农业保险系统处于低水平发展状态;政府财政补贴对提高主体利益协同度有着重要作用,包含农业保险深度和宽度指标的农业保险公司利益协同度是主体利益协同度的"短板"。由此建议政府坚持农业保险财政补贴政策,提高补贴效率;保险公司扩大保障范围,提高农业保险投保率;提高农户投保热情,积极反馈市场结果。

Based on SAR model from synergetic theory,this paper quantifies and analyzes the synergy degree of subject interests in China's policy-oriented agricultural insurance from 2004 to 2014.The result shows that the synergy degree of subject interests in China's policy-oriented agricultural insurance shows a general increasing trend currently,but the synergy degree of subject interests is still low,which also reveals that the system of China's policy-oriented agricultural insurance is in the low developmental level.This paper also demonstrates that government subsidies play an important role in improving the synergy degree of subject interests,and the synergy degree of the agricultural insurance company interests including depth and width of the indexes of agricultural insurance is the'short board'.Therefore,this paper suggests that government should adhere to the financial subsidies of agricultural insurance and improve the efficiency of subsidy.Insurance companies should expand the scope of protection,and improve the rate of agricultural insurance.Farmers should increase their insurance enthusiasm and positively offer feedback about the market results.