我国农业保险的发展成就、存在问题及对策建议——写在政策性农业保险发展十年  

On the Achievement,Problems and Countermeasures that our country have in Policy-oriented Agricultural Insurance——to the 10 Years' Development of Policy Agricultural Insurance

作　　者：王德宝[1] 王国军[1] 

机构地区：[1]对外经济贸易大学保险学院,北京100033

出　　处：《保险职业学院学报》2014年第4期58-64,共7页Journal of Insurance Professional College

摘　　要：自2004年以来,在各级政府的强力支持下,我国政策性农业保险的试验取得了重要突破和跨越式发展,保险规模和覆盖面持续快速增长,服务能力逐步提升,经济补偿作用有效发挥,再分配功能日益明显,较大改善了农村金融发展软环境。同时,农业保险发展中面临着诸多新问题,主要表现在顶层设计与统筹管理缺失,逆选择和道德风险愈演愈烈,参与主体经营管理技术和水平有待进一步提高,财税支持政策存在较大隐忧,大灾风险分散机制尚待健全。针对上述问题,提出了加强农业保险顶层设计、建立统一的研究与管理机构、完善财税支持与大灾风险分散机制等相应对策建议,以期能够为推动我国政策性农业保险健康持续发展提供借鉴和参考。With the strong support of the government , China＇s policyoriented agricultural insurance hasachieved important breakthroughs and rapid development since 2004. Its scale and the scope of coverage expand-ed continuously, its ability of service improved gradually, and its economic compensation function played effec-tively. Furthermore, it helped to create innovated rural financing model, and contributed to the financial mecha-nism reform in rural areas. At the same time, it is facing many new problems the lack of the top - level designand overall management, more and more intensified adverse selection and moral hazard, the fiscal and taxationsupport policy to be improved, the catastrophe risk disperse mechanism to be perfected, and so on. According tothe above problem, this paper suggests to strengthen the top -level design of agricultural insurance, establish aunified research and management institutions, improving fiscal support and catastrophe risk disperse mechanism,etc, in order to promote the sustainable development policy agricultural insurance.

关 键 词：政策性农业保险 发展成就 存在问题 

分 类 号：F842.6[经济管理—保险]