中国农业保险高质量发展研究——兼顾乡村振兴的视角

A Study on the High-quality Development of China's Agricultural Insurance:from the Perspective of Rural Re⁃vitalization

在乡村振兴战略实施的大背景下,作为一项旨在解决“三农”问题的重要政策性金融工具,我国农业保险进入了高质量发展的新阶段。乡村振兴战略的实施为中国农业保险的高质量发展提供了机遇,也带来了挑战。本文兼顾乡村振兴的视角,分析了“以险养险、补贴兜底”盈利模式下的模糊定位、联动补贴制度所衍生出的多重结构倒挂、一揽子涉农保险组合的产品搭配难题、政府部门协保下配套的防灾防损技术引入滞后、以“保成本”为主要目标而弱化的促发展与增收功能、农险准公共物品与农户私人得利之间的权衡困境六大关键性问题,并借鉴国外经验,提出了对应的政策建议。

Under the background of the implementation of the rural revitalization strategy,as an impor⁃tant policy financial tool aimed at solving the problems of"agriculture,rural areas and farmers",China's agri⁃cultural insurance has entered a new stage of high-quality development.The implementation of the rural revi⁃talization strategy has brought both opportunities and challenges to the high-quality development of agricultur⁃al insurance in China.From the perspective of rural revitalization,six key problems are discussed,i.e.the fuzzy positioning under the profit mode of"Maintaining insurance by insurance,support by subsidies",multiple in⁃version structure derived by linkage subsidy system,the problem of product matching of the of agricultural in⁃surance package,lag of disaster prevention technology under the assistance of government departments,the weakened function of promoting development and increasing income while ensuring the cost as the main tar⁃get,and the dilemma between the quasi-public goods and farmers'private benefit of agricultural insurance.Some corresponding policy suggestions are put forward in this paper.