摘要
利用1991-2014年马铃薯生产的单产数据,对甘肃省55个县区马铃薯的趋势单产进行了拟合,采用经验费率法计算了各县区马铃薯保险的纯费率,并对各县区财政保费补贴错配和个人缴费交叉补贴现象进行了实证分析。指出农业保险现行的统一费率和相同比例的保费补贴机制,在很大程度上诱发了逆向选择、打击了投保积极性、降低了补贴效果。为此,提出保费补贴比例只有根据地区差异、产品种类、目标导向、保障水平进行调整,才能更好地发挥农业保险作为"支农、惠农"工具的功效。
Using the data of unit yield of potato from 1991 to 2014,the article simulates the theoretical per unit yield of 55 regions in Gansu province,calculates the premium rates of each county by the method of experiencing rate,and carries on an empirical analysis to the county premium subsidy mismatch and personal payment cross-subsidy.The paper points out that the current unified premium rate and the same proportion subsidy mechanism,on a large scale,induce adverse selection,combat the enthusiasm of buying insurance and reduce the subsidy effect.Therefore,the proportion of premium subsidies should be adjusted according to regional differences,crop species,goal orientation,security level and so on so as to better support agricultural development and benefit farmers.
出处
《华中农业大学学报（社会科学版）》
CSSCI
2016年第4期1-7,127,共7页
Journal of Huazhong Agricultural University(Social Sciences Edition)
基金
2015年甘肃省科技计划项目"甘肃省气象指数保险与区域性农业巨灾保险体系建设"(1504ZKCA013-3)
兰州财经大学丝绸之路研究院重点项目"经济新常态下甘肃省多样化指数保险产品创新研究"(JYYZ201508)
