我国省域政策性农业保险发展不平衡的实证分析

An Empirical Analysis of the Unbalanced Development of Provincial Policy-oriented Agricultural Insurance in China

自2007年开始实施中央财政农业保险保费补贴以来,我国政策性农业保险得到了快速发展,但总体发展水平仍然很低,而且各地区发展很不平衡。本文选取2007—2013年全国31个省(市、自治区)农业保险保费收入、保险赔款等总量指标以及保险密度、保险深度等相对指标数据,运用时间序列的平均发展水平等方法,分析了我国各省(市、自治区)农业保险发展不平衡程度,并运用聚类分析方法进行发展水平的归类,进而探析了发展不平衡的原因,并在此基础上提出了促进各地区农业保险平衡发展的政策建议。

Since 2007 the implementation of the central government fiscal premium subsidies of the agricultural insurance, the policy - based agriculture insurance in our country got fast development, but the overall development level is still low, and the regional development is not balanced. This article selects gross index such as agriculture insurance premium income, insurance indemnity, etc, and relative indexes such as insurance density, insurance depth, using the method of the average development level of time series, to analyze agricultural insurance development not balanced in China, and using the method of clustering analysis for the development level of classification, and then analyses the reason of unbalanced development, put forward the policy Suggestions to promote the development of regional agriculture insurance balance.