微视角看政策性农业保险的“供过于求”——基于陇东地区Q村的田野调查

"Oversupply"in the Form of Policy-oriented Agricultural Insurance from Micro Perspective--A Field Survey Based on Q Village in Eastern Gansu Province

完善农业保险政策,提高农业生产保障力度,对我国做好"三农"工作、有效实施乡村振兴战略至关重要。本文以陇东地区Q村及其所在镇为调查对象,从微观视角展开研究,发现我国政策性农业保险在部分地区的基层实践中存在"供过于求"的现象,尤其是西部贫困农业县区。这种现象和农业保险市场失灵、农业现代化程度低、政府制度性供给不足、保险技术创新不足密切相关。最后,论文从提供优质供给和探索有效需求两个方面提出了建议。

Perfecting the agricultural insurance policy and improving the guarantee of agricultural production are of great importance to China’s"three rural"work and the effective implementation of the rural revitalization strategy.This paper takes Q village as an object of investigation from the micro perspective.The study finds that there exists a phenomenon of"supply exceeds demand"in the form of policy-oriented agricultural insurance in grass-roots practice,especially in poor agricultural counties in west China.This phenomenon is closely related to the failure of the agricultural insurance market,the low degree of agricultural modernization,the shortage of government institutional supply and the shortage of insurance technology innovation.The paper puts forward suggestions from two aspects:providing high-quality supply and exploring effective demand.