农业保险财政补贴政策优化研究

The Optimization of Financial Subsidy Policies of Agricultural Insurance

农业在国民经济中的基础性、战略性地位以及农业保险产品的准公共性特点,决定了农业保险的政策性,并且政府必须给予必要的财政补贴支持。我国现行的农业保险财政补贴力度不断加强,在提高农业保险保障水平、发挥农业保险效能和提升财政资金使用效果等方面成绩突出,但仍然存在财政补贴不全面不充分、机制不完善、比例不合理等问题,需要进一步加大补贴力度、优化补贴政策、完善补贴方式和统筹各类政策,促进农业保险高质量发展。

That the fundamental strategic status of agriculture in a national economy and the quasi-public characteristics of agricultural insurance products determines the policy nature of agricultural insurance and results in essential financial subsidy supports provided by governments.China's overall amount for financial subsidies in agricultural insurance is increasing,which achieves prominent achievements in the improvement of security level of agricultural insurance,the development of efficiency of agricultural insurance and the improvement the efficiency of using financial funds.Nevertheless,there are still some problems need to be improved,such as incomplete financial subsidies,imperfect subsidy mechanism and improper subsidy proportion.So,the government needs to further increase subsidies,optimize subsidy policies,improve subsidy mode and integrate various policies to accelerate the high-quality development of agricultural insurance.