我国农产品目标价格保险面临的困境与对策

Difficulties and Solutions of Agricultural Products Target Price Insurance

2016年,按照国家统一部署,各省市陆续出台推进价格机制改革实施意见,河南、山东等多地明确提出开展农产品目标价格保险试点工作。目标价格保险作为一种农产品市场价格保险费补助制度,是将政府宏观调控与商业保险有机结合的有益尝试。而在实施过程中,农产品目标价格保险还存在保障价格设定难,保险主体供需对接难,配套体系尚不健全等诸多问题。为确保实施效果,其应对建议为:审慎选择保险品种,科学制定保障价格,建立供求双向激励机制,健全价格风险分散体系以及完善数据监测采集系统等。

According to the unified deployment of our country, provinces and cities have been put forward implementation suggestions to promote the reform of the price mechanism in 2016. Henan, Shandong and other provinces have clearly proposed to carry out target price insurance pilot work. As an agricultural products market price premium subsidy system, target price insurance is a beneficial trial combining macroeconomic regulation and commercial insurance. While there are many plights in the implementation of agricultural produce target price insurance, like hard to set the security price, difficult to link insurance subject＇s supply and demand and unsound supporting system. To ensure the implementation of the results, it recommends some coping strategies, such as carefully to select insurance products, scientifically to formulate the security price, to establish two-way incentive mechanism of supply and demand, and to improve price risk dispersion and monitoring data acquisition systems.