日本农业保险的利益相关者分析与成功经验

Stakeholder Analysis of Japanese Agricultural Insurance System and Experience Reference

研究了日本农业保险在几十年的发展过程中逐步形成的"农业保险共济组合-农业保险共济组合联合会-政府"的三级组织结构,分析了日本国内农业保险机制以"共济-保险-再保险"的方式进行农业保险而呈现出的利益均衡化、风险分散化的特点以及日本农业保险的发展趋势,同时探索了日本农业保险制度满足农户、共济组合及联合会和政府三方利益需求的方式。认为我国农业保险体系的建立可以参考日本农业保险体系设立的相关经验,并对我国农业保险建立符合国情的农业保险制度、建立健全法律法规体系、加大农业保险补贴政策实施力度等方面提出了建议。

This paper studies the three-tier organizational structure of the“Agricultural Insurance Union-the Agricultural Insurance Joint Union-the Government”,which gradually formed during the development of Japanese agricultural insurance in several decades.Besides,the paper analyses the characteristics,the balance of benefits and the diversification of risks of the country’s domestic agricultural insurance in the way of“Mutual Help-Insurance-Reinsurance”and the development trend of agricultural insurance in Japan.At the same time,it explores how the system of agricultural insurance in Japan meets the needs of the farmers,the Agricultural Insurance Joint Union and the government.It considers that the establishment of Chinese agricultural insurance system can refer to the experience of the establishment of the Agricultural Insurance System in Japan,and puts forward some suggestions on the establishment of the Agricultural Insurance System in accordance with the national conditions,establishing and perfecting the legal and regulatory system,and strengthening the implementation of the policy of subsidy for agricultural insurance.