我国农业保险定价的国外经验借鉴与完善对策

Foreign Experiences and Countermeasures of Agricultural Insurance Pricing in China

近年来,农业保险制度研究发展迅速、脱胎于商业保险的农业保险定价存在比较集中的道德风险与逆选择、国家财政提供更大支持的基础、在更大范围推广农业保险具有更好的条件、农业保险定价可借鉴经验更丰富,这些都为农业保险定价的变更奠定了基础。通过借鉴美国农业保险定价的经验,确立更加科学的农业保险价格目标、加大对农业保险财政投入降低定价、加大保险产品创新丰富保险定价等,进一步完善我国农业保险定价,提高农业保险的针对性与吸引力,更好地保障农业生产与农民收入水平。

In the new period, the rapid development of the agricultural insurance system, based on commercial insurance agricultural insurance pricing is relatively concentrated the moral hazard and adverse selection, the state finance is to provide greater support of the foundation, in the wider promotion of agricultural insurance has better conditions, the agricultural insurance pricing experience more rich, laid the foundation for the agricultural insurance pricing changes. By drawing on the experience of American agricultural insurance pricing, should be through the establishment of a more scientific agricultural insurance, agricultural insurance price target to increase financial investment, increase the lower pricing insurance product innovation rich insurance pricing and other initiatives, to fin-ther improve China＇s agricultural insurance pricing, improve agricultural insurance to better protect and appeal, the level of agricultural production and farmers income.