市场失灵、政府干预与政策性农业保险理论——分歧与讨论

Market Failure,Government Intervention and Policy- oriented Agricultural Insurance: Differences and Comments

本研究通过对传统农业保险理论的分析,对政策性农业保险制度的理论提出了质疑,认为传统政策性农业保险理论以农业保险的外部性、准公共产品性质作为基础从逻辑上并不严密,指出以农业保险需求不足理论引发的市场失灵理论也不严谨。提出政策性农业保险实质上是一种支农政策,与其他支农工具一样可以在不同程度上提高农户福利,但其重要性并不在于农业保险本身的性质,而在于农业保险与其他支农工具相比所具有的特性。

Based on the research of traditional agricultural insurance theory, the paper questioned the validity of the theory, holding that it wasn＇ t logically tight to base the theory on the concepts of externality and quasi-public goods. It also held that it was not enough to explain the agricultural insurance market failure by the lack of insurance de- mand. The paper concluded that policy-oriented agricultural insurance was a kind of agricultural supportive policy and could enhance farmer＇ s well-being like other supportive tools. But its importance didn＇ t lie with its nature of being agricultural insurance, but with its unique properties in comparison with other agricultural supportive polices.