基于契约执行机制视角的农业保险监管研究  

Agricultural Insurance Supervision Based on Contract Execution Mechanisms Perspective

作　　者：邓义[1] 陶建平[1] 

机构地区：[1]华中农业大学经济管理学院,武汉430070

出　　处：《农业经济问题》2013年第4期49-54,111,共6页Issues in Agricultural Economy

基　　金：国家自然科学基金项目(编号:71173086);博士点基金项目(编号:20090146110001)

摘　　要：契约执行是农业保险运行的内在要求,政府监管是保险契约执行的外部保障。本文以近5年我国农业保险取得阶段性成功为背景,通过试点地区实践分析,基于契约执行机制和监管理论,探讨制约农业保险可持续发展的外部监管因素。研究表明,我国农业保险监管低效的根源是监管法律制度缺乏、监管执行低效、司法保障不力。从契约执行机制看,根本之策是以监管法律制度完善为基础、以法律制度高效执行为重点、以司法权威为保障,构建强有力的外部监管体系。Contract execution is an inherent requirement to the operation of agricultural insurance,and Government regulation is the external security of the insurance contract to achieve.With the periodical success of China's agricultural insurance in the past five years as the background,and based on the empirical investigation in the pilot areas and contract execution mechanisms and regulatory theory,this paper analyses External regulatory factors of the sustained development of agricultural insurance.Research shows that China's agricultural insurance regulatory source of inefficiency is the lack of regulation of the legal system,regulatory enforcement inefficient,ineffective judicial guarantees.Contract enforcement mechanisms,the fundamental policy is to improve the regulation of the legal system to focus on the efficient implementation of the legal system,for the protection of judicial authority,to build a strong external supervision system.

关 键 词：农业保险 监管 农业保险契约 契约执行机制 

分 类 号：F842.6[经济管理—保险]