美国收入保险产品体系及其对我国的启示  被引量:2

The US Revenue Insurance Products System and Its Enlightenment to China

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作  者:余奇才[1] 陈逸凡 张春媛 周子又 Yu Qicai;Chen Yifan;Zhang Chunyuan;Zhou Ziyou

机构地区:[1]中国农业大学人文与发展学院,北京100193

出  处:《西南金融》2023年第5期3-17,共15页Southwest Finance

摘  要:收入保险作为农业国内支持主要政策工具,受到许多农业强国的重视。美国自1996年推出收入保险产品以来,经过不断完善法律基础,形成了目前以普通作物、特色作物、全农场收入和区域收入为保障对象,基础产品和增强产品相结合,层次清晰、保障有力的收入保险产品体系,具有保险产品丰富性、保险标的有限性、保险选项创新性、收入确定市场性、保费补贴统一性、保险费率灵活性等特征。我国收入保险起步较晚,存在产品单一、覆盖有限、弹性不足等问题。在建设农业强国过程中,有必要借鉴美国成功经验完善我国收入保险产品,增加保险品种、优化保险单元、取消标的限制、提高产品弹性,立足我国国情农情,加快构建有中国特色的收入保险产品体系。As the main policy tool for agricultural domestic support,revenue insurance has been attached great importance by agricultural powers.Since the introduction of revenue insurance products in 1996,the United States has continuously improved its legal basis,and has formed a revenue insurance products system with clear levels and strong protection,which takes common crops,characteristic crops,whole-farm revenue and area reve-nue as the protection objects,combines basic products with enhanced products,with the characteristics of rich in-surance products,limited insurance objects,innovative insurance options,marketability of revenue determination,uniformity of premium subsidies,and flexibility of insurance premiums.China's revenue insurance started late,with problems such as a single product,limited coverage and insufficient flexibility.In the process of building a ag-ricultural power,it is necessary to learn from the successful experience of the United States to improve China's rev-enue insurance products by increasing insurance varieties,optimizing insurance units,canceling the restrictions on the objects,and improving product flexibility,and accelerate the construction of revenue insurance products system with Chinese characteristics based on China's national agricultural conditions.

关 键 词:农业保险 收入保险 农业国内支持 农业政策 风险管理 保费补贴 农业高质量发展 农业强国 

分 类 号:F847[经济管理—保险] F320.2

 

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