农业保险服务乡村振兴战略的制度创新:国际经验及启示

Institutional Innovation of Rural Revitalization Strategies of Agricultural Insurance Services:International Experience and Inspiration

基于制度创新理论,将美国、法国和日本的农业保险制度创新细分为管理制度创新、财政制度创新和风险管理制度创新来分别比较,发现其在管理、财政支持方式、不同种类风险管理手段之间各有优势,如美国的农险产品体系,法国的商业保险模式和日本的农业组织结构。基于我国可借鉴这些优点的视角,从完善指数型保险体系、建立农业合作经济组织、改善农业保险补贴机制方面着手,提出几点政策建议。

Based on the theory of institutional innovation,the innovation of agricultural insurance system in the United States,France and Japan is divided into management system innovation,fiscal system innovation and risk management system innovation.It is found that each of them has distinct advantages in terms of methods of management,financial support and risk management in various types,such as the US agricultural insurance product system,the French commercial insurance model and the Japanese agricultural organizational structure.In terms of perspective of learning from these advantages,policies and suggestions are proposed from different aspects of improving the index-based insurance system,establishing agricultural cooperative economic organizations and improving the agricultural insurance subsidy mechanism.