国外农业保险经验借鉴与中国政策性农业保险制度完善  

On the Enlightenment of Foreign Agricultural Insurance Experiences to the Perfection of Chinese Policy-oriented Agricultural Insurance System

作　　者：陈德萍[1] 

机构地区：[1]广东外语外贸大学财经学院,广东广州510420

出　　处：《国际经贸探索》2012年第6期88-95,共8页International Economics and Trade Research

基　　金：广东省软科学研究项目(2010B070300083);广东省科技计划项目(2011B061200019)

摘　　要：我国是自然灾害高发地区,农业的发展因此受到了严重影响,政府已经逐渐认识到开展农业保险尤其是开展政策性农业保险的重要性和必要性。文章从当前政策性农业保险的特点入手,分析了我国政策性农业保险在全国试点中所面临的主要问题,提出了我国政策性农业保险应借鉴国外的成功模式和经验,建立一套符合中国国情的政策性农业保险制度。即加快农业保险的立法工作,建立"政府支持下的商业保险公司经营"组织,建立"三级"保障机制,加大财政补助力度,设立农业巨灾风险基金等。China is a country where natural disasters frequently occur, which brings a serious impact on its agricultural production. Therefore, the government has gradually recognized the significance and necessity of developing agricultural insurance, and in particular, the political and economic importance of developing policy-oriented agricultural insurance. This paper starts from the discussion of the characteristics of current policy-oriented agricultural insurance, makes an analysis of the problems encountered by the experimental unit of Chinese policy-oriented agricultural insurance, and argues that the establishment of a policy-oriented agricultural insurance system suited to China＇ s actual conditions should learn from the successful mode and experience of foreign countries. It suggests that China should mainly learn from the ＂Japanese mode＂ of agricultural insurance, and perfect its policy-oriented agricultural insurance system from the following aspects such as accelerating the legislation of agricultural insurance, establishing the form of ＂commercial insurance organizations supported by the government＂, setting up a three-level security mechanism, increasing financial subsidies, and building the fund of huge agricultural catastrophic risk.

关 键 词：政策性农业保险 国外经验 制度完善 

分 类 号：F842.0[经济管理—保险]