我国农业保险保费补贴资金使用效果评价:方法与证据  

Evaluation on China's Agricultural Insurance Premium Subsidies:Method and Evidence

作　　者：张祖荣[1,2] 

机构地区：[1]广东财经大学国民经济研究中心 [2]广东财经大学经济贸易学院

出　　处：《财政研究》2017年第8期101-111,共11页Public Finance Research

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);广东省自然科学基金"基于田野问卷调查的广东省农业保险财政补贴政策效应研究"(项目编号:2016A030313766)

摘　　要：我国中央财政农业保险保费补贴已实施十年,客观评价保费补贴效果具有重要意义。本文构建了保费补贴资金使用效率指标和评价方法,运用2007-2016年农业保险统计数据,在估算农户自缴保费的基础上,分析了我国保费补贴的转移支付效应与补贴资金的使用效率。结果表明,2007-2016年期间,我国农户平均每支付1元保费,就能得到2.93元的损失补偿;但政府平均每提供1元保费补贴资金,农户仅获得约0.91元保险赔款,即政府财政补贴资金不仅没有带动更多资金参与农业风险损失补偿,而且补贴资金本身出现大量耗散,进一步按照本文提出的评价方法,也说明我国保费补贴资金的使用是缺乏效率的。为提高保费补贴资金使用效率,应适时调整保险费率,合理确定保险金额,加强补贴资金的监督管理,严格市场准入条件。Since agricultural insurance premium subsidies have been implemented for ten years in China, objectively evaluating the effect of the premiums is of great significance. By using the agricultural insurance statistics from 2007 to 2016, this paper constructs index and evaluation standards to evaluate the effect of agricultural insurance premium subsidies based on the estimation of farmers＇ burden. The research results show that during the period from 2007 to 2016, farmers can averagely receive 2.93 RMB for 1 RMB payment. But farmers can only receive about 0.91 RMB for 1 RMB government premium subsidy, which means that the usage of the government subsidy funds is not effective for the subsidy funds not only cannot encourage more social resources, but also the subsidy itself appears great dissipation. Therefore to improve the efficiency of premium subsidy funds we should timely adjust insurance rates, enhance supervision on subsidy funds and strictly enforce market access rules.

关 键 词：农业保险 财政补贴 效果评价 

分 类 号：F812[经济管理—财政学]