基于农业产业化经营的政策性农业保险运作模式创新——以北京肉鸡养殖保险为例

Innovation of Government-sponsored Agricultural Insurance Operational Mode Based on Agricultural Industrialized Operation——A Case Study of the Broiler Mortality Insurance in Beijing

中国政策性农业保险在实践中,由于保险公司与农户的信息不对称以及信息获取的高成本,普遍遇到保险公司的展业成本过高和难以防控农户的道德风险等难题。中国人民财产保险股份有限公司北京分公司基于北京肉鸡产业化经营的特点,创新性地采用了"保险公司+协会+加工企业+合作社+农户"的保险运作模式,解决了以上难题。因此,分析了该模式的内容,指出了其优势与局限,从而为中国基于农业产业化经营的政策性农业保险运作模式的创新发展提供经验借鉴。

During the practice of the government-sponsored agricultural insurance in China, due to the information asymmetry between insurance company and insured peasant household and the high cost to acquire information, it is very common that the operational cost is too high to bear and the moral hazard behavior of the insured peasant household is difficult to control. Based on the characteristics of broiler industry in Beijing, Beijing Branch of PICC P C creatively used the insurance operational mode ＂ insurance company ＋ industrial association ＋ processing enterprise cooperative ＋ farmers＂ to solve the above problems.So, the authors analyzed the content of the mode, and pointed its advantages and limits, thus provided references to the innovation of the operational mode of the government-sponsored agricultural insurance based on the industrialized operation of agriculture.