政府支持农业保险发展的经济学分析  

Economic Analysis of Government Surport for the Agriculture Insurance

作　　者：马改艳[1,2] 彭婵娟[1] 徐学荣[1] 

机构地区：[1]福建农林大学经济学院,福建福州350002 [2]福建农林大学金山学院,福建福州350002

出　　处：《改革与战略》2014年第8期52-56,共5页Reformation & Strategy

基　　金：水稻产量风险分布及保险费率厘定模型研究--基于福建省25个粮食主产县的数据(福建省自然科学基金;项目编号:2011J01378);福建省教育厅人文社科项目(项目编号:JB12457S)

摘　　要：农业保险经营的高昂成本及很低的投保率使农业保险难以商品化和市场化,需要政府介入以扩大其有效需求;农业保险是一种准公共品和优值品,需要政府通过补贴方式强制或鼓励农民投保;农业保险较强的外部经济性,需要政府介入以节约其交易费用,提高交易效率;政府支持农业保险会增加社会福利;农业保险承保的风险特殊性及技术障碍的解决离不开政府支持。The high natural cost and the very low rate of agricultural insurance management make the agricultural insurance commercialize and market very difficult, which needs government intervene to enlarge effective demand; agricultural insurance are kinds of quasi public and merit goods, which needs government by the way of subsidies enforce or encourage farmers to buy agricultural insurance; the externality of agricultural insurance needs government intervention, and the intervention can reduce transaction cost and improve the transaction efficiency; government support for agricultural insurance will increase the social welfare; without government support the special risk and technical obstacles of agricultural insurance management can not been settled.

关 键 词：农业保险 供需矛盾 财政补贴 准公共品 正外部性 

分 类 号：F320[经济管理—产业经济]