我国农业保险监管中的利益冲突与平衡

Conflict and Balance of Interest in the Supervision of Agricultural Insurance in China

农业保险发展中很容易出现"市场失灵"和"政府失灵"的状况,要破解这一困局,必须运用利益冲突与平衡理论。我国农业保险监管中存在监管机构、农业保险人、投保农户等多元利益主体,这些利益主体之间有着复杂的利益关系和激烈的利益冲突。为了实现农业保险发展中多元利益主体之间的合作、共赢,我国应当从利益产生、利益表达、利益激励、利益保障等方面建立健全农业保险监管机制。

To figure out the difficulty between market failure and government failure which is easily emerging in the development of agricultural insurance, we must apply the theory of interest colfflicts and balances. There are many principle parts in the supervision of agricultural insurance, including regulators, assurers, and policyholders, among those interest subjects, there are existing complicated relation and sharp conflict of interest. China government should set up a perfect supervision mechanism of agricultural insurance by means of interest product, interest express, interest incentive and interest guarantee, to achieve the goal of win-win cooperation among the interest subjects in the development of agricultural insurance.