基于政策性补贴的我国农业保险市场非均衡研究  

On the Disequilibrium of China's Agricultural Insurance Market Based on Policy Subsidy

作　　者：张肇宇[1] 杨馥[1] 

机构地区：[1]西安财经学院经济学院,西安710100

出　　处：《天津商业大学学报》2014年第6期12-17,27,共7页Journal of Tianjin University of Commerce

基　　金：国家自然科学基金项目"现代农业巨灾风险保障体系及实施难点研究:基于粮食安全视角"(71263056);陕西省教育厅2013年哲学社会科学项目"陕西保险消费者权益保护机制及实现路径研究"(2013JK0151)

摘　　要：有效平衡农业保险需求与供给的非均衡关系以及是否需要实施政策性农业保险补贴政策是其发展中必须面对的一个重要问题。本文基于1990—2011年我国农业保险市场的宏观经济数据,通过构建供求双曲线型非均衡计量模型来分析在实施政策性农业保险补贴前后的农业保险市场的非均衡性。实证结果表明实施的政策性农业保险补贴能够有效促进农业保险市场供求朝均衡方向发展。最后提出应大力实施政策性农业保险、不断提高农民农业收入以及尽快建立从中央到地方的多层次农业保险经营模式等政策建议。To effectively balance the disequilibrium of demand and supply in agriculture insurance and whether it is necessary to implement the agricultural insurance policy subsidy or not are the important problems in the process of development. Based on the macroeconomic data of China＇s agricultural insurance market between 1990 and 2011, the paper builds the hyperbolic econometric disequilibrium model of supply and demand to analyze the disequilibrium in agricultural insurance market before and after the implementation of policy subsidy. The empirical results show that agricultural insurance subsidy has significantly promoted the equilibrium of supply and demand in agricultural insurance market. Finally, it puts forward the suggestions of carrying out agricultural insurance policy, and constantly increasing farmers ＇ income and setting up a multi-level agricultural insurance business mode including central government and local governments as soon as possible.

关 键 词：农业保险 保费补贴 供求非均衡 

分 类 号：F842.6[经济管理—保险]