安华政策性农业保险市场失灵成因分析及启示  

Causes Analysis and Revelation of Anhua Agricultural Policy Insurance Market Failure

作　　者：贾万军[1] 王硕[1] 

机构地区：[1]长春工业大学,吉林长春130012

出　　处：《安徽农业科学》2014年第11期3409-3412,共4页Journal of Anhui Agricultural Sciences

基　　金：教育部春晖计划项目<创收环保型管理模式在吉林省农业产业化龙头企业的应用研究--以吉林德大有限公司为例(S2011027)>;吉林省科技发展规划项目<吉林省新农村金融制度环境优化研究(吉科合20070618)>;<政策性金融支持吉林省玉米产业发展问题研究(吉科合20100632)>;<农业政策性金融与财政协调支持吉林省产粮大县农业发展对策研究(吉科合20120637)>的阶段研究成果

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。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 that the agricultural insurance market failure is a common problem of policy agricultural 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 important features＂.So supply of ＂top-down＂ quasi-public products can＇ t meet the farmers＇demand for insurance.The countermeasure overcoming agricultural policy insurance market failure：establish and perfect the agriculture insurance law; build a ＂Pyramid type＂ agricultural insurance organization system of the national franchise mainly; improve the financial support system; establish special risk fund of agricultural catastrophe.

关 键 词：政策性农业保险 保险市场失灵 准公共产品 

分 类 号：S-9[农业科学]