论农业保险监管制度的建设和改革  

On the Building and Reformation of Agricultural Insurance Regulatory System

作　　者：庹国柱[1] TUO Guo-zhu

机构地区：[1]首都经济贸易大学金融学院

出　　处：《农村金融研究》2020年第3期3-8,共6页Rural Finance Research

摘　　要：对于政策性农业保险,既要进行监管又要实行管理,这是由该保险的性质决定的。目前我国政策性农业保险在实践中至少存在四大矛盾:保险公司赚钱期望和政策性农业保险目标的矛盾、政府对产品的定价能力缺失与公司经营绩效真实性的矛盾、违规违法经营行为屡禁不止与监管机关鞭长莫及的矛盾、地方政府权力难以约束与农业保险赔付难以到位的矛盾。四部委发布的《关于加快农业保险高质量发展的指导意见》(以下简称《指导意见》)针对这些矛盾,提出了一系列解决思路和方案。落实《指导意见》,逐步实现监管机构一元化、监管对象全面化、监管规则细致化和监管队伍专业化,必将使我国农业保险监管局面改观,对实现农业保险的高质量发展具有重要意义和深远影响。In China's agricultural insurance practice,there are at least four major contradictions,namely,the contraction between insurance company's earning expectations and agricultural insurance supported by government objectives,the contraction between the government's lack of pricing ability to products and the company's operating performance of the authenticity,illegal business practices repeatedly prohibited by the regulatory authorities to avoid the contradiction,and the local government is difficult to restrain and agricultural insurance compensation is difficult to put in place the contradiction.The Guidance on Speeding up the High Quality Development ofA gricultural Insurance issued by the four ministries puts forward a series of solutions and programs to these contradictions.The implementation of the Guidance,the gradual realization of the unified regulatory,the comprehensive included of regulatory objects,the detailed regulatory rules,the supervision responsibility to"expand"and the professionalization of the regulatory team,will certainly make significant improvements for China's agricultural insurance supervision situation,which is of great significance and far-reaching impact on the realization of high-quality development of agricultural insurance.

关 键 词：农业保险 监管 制度建设 

分 类 号：F842.66[经济管理—保险]