保费补贴对农业保险需求与供给的影响研究

Research on the Impact of Premium Subsidies to Agricultural Insurance Demand and Supply

运用1993—2014年的宏观数据,采取联立方程模型,研究了我国农业保险补贴对保险需求和保险供给的实际影响。主要结论是:保险补贴可以有力促进保险有效需求;保险补贴对农业保险供给的总效应包括收入效应和替代效应两个部分,收入效应通过激发保险有效需求促进了保险供给,替代效应抑制了保险供给;我国农业保险政策还不够健全和完善,对农业保险三方主体的引导、激励、规范作用没有得到充分发挥。

The effect of agricultural insurance subsidy on agricultural insurance demand and supply are studied in this paper bythe simultaneous equation model using the 1993-2014 macroeconomic data. The main conclusion is that insurance subsidies can effectivelypromote the effective demand for insurance; the total effect of government subsidies on the supply of agricultural insurance includestwo parts, income effect and substitution effect. The income effect can promote the insurance supply through stimulating the effectivedemand, and the substitution effect can restrain the insurance supply ; the agricultural insurance system is not perfect y et, andits instruction, stimulation and regulation effect to the three participants in agricultural insurance has not been completely exploited.