我国蔬菜目标价格保险试点分析及发展对策探讨

An Analysis of Insurance Pilot of China's Vegetable Targeted Price and Discussion on the Development Countermeasures

2011年以来,上海市、北京市、成都市和江苏省等相继推出的蔬菜目标价格保险产品具有明显的政策保险、政企协作特点,承保的地域性较强但保障水平较低。实践中,蔬菜目标价格保险推广面临诸多问题,如蔬菜目标价格可保性差异较大、蔬菜目标价格保险存在错位、蔬菜目标价格保险基础数据库不健全以及蔬菜目标价格保险费财政压力较大等。应通过加大政府支持与推广力度、积极开展蔬菜目标价格保险跟踪调研、扩大蔬菜目标价格保险覆盖面、完善价格信息采集系统和大灾防控体系等措施,有效推动我国蔬菜目标价格保险健康发展。

Since 2011, Shanghai, Beijing, Chengdu and Jiangsu promoted vegetable targeted price insurance products with obvious policy insurance and governmental-enterprise cooperation characteristics, the insurance regionalism is stronger but the guarantee level is lower. In practice, the promotion had a lot of problems such as larger difference in insurability of vegetable target price, dislocation in vegetable target price insurance, incomplete basic database and larger financial pressure in insurance charge. We should enlarge the governmental support and promotion strength, carry out trace survey, enlarge the insurance coverage, and improve the price information collection system and big disaster protection system to effectively improve the healthy development of China's vegetable target price insurance.