边远地区农业保险市场低水平均衡的原因与对策建议  

The Reasons of Low Level Equilibrium of Agricultural Insurance Market in Remote Areas and Countermeasures

作　　者：徐洪水[1] 

机构地区：[1]浙江大学管理学院,浙江杭州310058

出　　处：《上海金融》2011年第12期96-99,共4页Shanghai Finance

摘　　要：一些边远地区的农业保险市场呈现有效供需不足的低水平均衡状态,其主要原因在于:农业保险较高的风险与成本、边远地区财力支持不足以及农保市场信息不对称等导致农业保险供给减少;而农保市场信息不对称导致较高的保费,保险公司过低的赔付额与部分不合理条款以及农户较低的参保能力与意愿抑制了农户对保险业务的有效需求。应采取相应措施,促进边远地区农业保险可持续发展。In some remote areas, the agricultural insurance markets are in low level equilibrium, given the inadequacy of effective supply and demand. The main reasons are： the decrease in the supply of agricultural insurance due to high risks and costs of agricultural insurance, inadequate financial support in remote areas and asymmetric in- formation in agricultural insurance market; while the high insurance premium caused by asymmetric information in agricultural insurance market, low indemnity, unreasonable terms and the low capability and willingness of farmers to participate restrain the effective demand. We should adopt measures to promote the sustainable development of agricultural insurance in remote areas.

关 键 词：农业保险市场 低水平均衡 对策建议 

分 类 号：F842.7[经济管理—保险]