论农业保险中道德风险防范机制的构筑  

作　　者：李勇杰[1] 

机构地区：[1]武汉大学社会保障研究中心,湖北武汉430072

出　　处：《保险研究》2008年第7期67-69,共3页Insurance Studies

基　　金：国家自然科学基金重点项目"中国补充养老保险制度研究"(项目号:70533040)阶段成果

摘　　要：农业保险是一种高风险性的险种,这种高风险性一定程度上来自于交易中存在道德风险的因素。本文系统分析了农业保险中道德风险存在的内涵机理和道德风险产生的因素,提出农业保险中道德风险的防范对策:引入高科技手段提高信息的透明度;构筑系统的道德风险监管体系;加强农户的道德意识。Agricultural insurance is a type of insurance business with high risks due to the existence of moral hazards to some extent. The paper made a systematic analysis on the intrinsic factors leading to the occurrence of moral hazards in agricultural insurance and proposed on measures against this situation. It suggested that insurers should apply advanced technology to enhance transparency about this business, establish a systematic moral hazard risk supervision system and enhance moral integrity of farmers.

关 键 词：农业保险 道德风险 防范机制 

分 类 号：F840.32[经济管理—保险]