安华政策性农业保险市场失灵成因分析及启示.pdfVIP

安徽农业科学，Journal of Anhui Agri. 5ci.2014 ,42(11) :3409 -3412 责任编辑胡剑胜责任校对况玲玲 安华政策性农业保险市场失灵成因分析及启示 贯万军，王硕 (长春L业大学，吉林长春 13∞口 摘要 采用简单抽样方法调查吉、辽、蒙、鲁、苏、京等6 省区政策性农业保险制度运行情况，研究安华保险公司供应的政策性农业保险 存在市场失灵问题。辅以网上收集其他5 家涉农保险公司(共保体)政策性农业保险运行资料，推断出农业保险市场失灵是我国政策性 农业保险市场共性问题，其成因是私办公助、商业保险公司代行、窄范围、高保费、低标准、低理赔等特征，自上向下供应的准公 共产品难以满足广大农户的保险需求。提出了我国克服政策，性农业保险市场失灵的对策:建立健全农业保险法律;构建以国家专营 为主的金字塔型农业保险组织体系;构建完善的财政支农体系;建立农业巨灾专项风险基金。 关键词 政策性农业保险;保险市场失灵;准公共产品 中图分类号 5-9 文献标识码 A 文章编号 0517 -6611(2014)11 -03409-04 C翩翩Analysis and Revelation of A曲:oa Agriculrural Policy Insurance Market Failure JIA Wan-j :on et al (Changchun University of Technology , Changchun , Jilin 130012) Abstract Through simple sampling method , the paper examines policy agricultural insurance system operational experience , then studies the problem of agricultural policy insurance market failure of Anhua Insurance Company supplying. With 5 other agricultural insurance company ( RAL) policy agricultural insurance operation data of online. what can we infer is 出at the agricultural insurance market failure is a common problem of policy a伊cultural insurance market of China. Its reason is: the company is found by private , helped by the public and acted by Business Insurance Company. At the same time. the narrow range and high premium and low standard and low compensation are impo由nt fea- tures. 50 supply of top-down quasi-public products can t meet the farmersdemand for insurance. The countermeasure overcoming agricul- tural policy insurance market failure: establish and perfect 出e agricu Iture insurance law; huild a Pyramid type agricuItural insurance organi- zation system of the national franchise mainly; improve the financial support system; establish special risk fund of agricultural catastrophe. Key words Agricultural policy insurance; lnsurance market failure; Quas