农业保险供求与适度保费补贴率的确定  

Ascertaining the Supply and Demand of Agriculture Insurance and Moderate Insurance Subsidiary Rate

作　　者：张祖荣[1] 

机构地区：[1]广东财经大学国民经济研究中心

出　　处：《财经科学》2014年第11期31-40,共10页Finance & Economics

基　　金：国家社科基金项目"我国农业保险保费补贴效果评价与适度保费补贴率问题研究"(批准号:13BJY182)的资助

摘　　要：本文基于一定的假设条件,运用经济学供求理论,采用投保率水平度量农业保险的政策目标,建立了农业保险适度保费补贴率决定模型,揭示了适度保费补贴率变动的一般规律。基本结论是:在一定的农业保险政策目标条件下,适度保费补贴率决定于农业保险的公平精算费率与无补贴情况下农户的需求状况;适度保费补贴率随农业保险发展阶段的不同而不同,即随农业保险供求状况的变动而变动,其一般规律是从低到高,再从高到低的实现过程,因而应适时调整保费补贴政策。Based on some postulated conditiom, this paper uses economic Supply and Demand theory, mea- sures the policy target of agTieulture insurance with the rate of insurance covering, builds the decision model of moderate imtmmce subsidiary rate of agriculture insurance, and shows the general rule of the change of the moderate imurance subsidiary rate. The basic conclusion is that under some policy target of agriculture insur- ance, moderate insurance subsidiary rate rests with the justice actual cost rate of agriculture insurance and the demand of rural household in the case of no subsidy; moderate insurance subsidiary rate changes with the dif- ferent developing phrase of agriculture insurance, that＇s to say, it changes with different supply and demand of agriculture insurance. The general rule of it is a process from low to high, then high to low, so there is a need to timely adjust the insurance subsidy policy.

关 键 词：农业保险 投保率 适度保费补贴率 

分 类 号：F842.66[经济管理—保险]