摘要
中国渔业互保协会在实际运行中采用了"合作组织+行政辅助"运作模式,这种模式缘起在于渔民的自组织成本高于官方组织成本这一现实,两种成本之比决定了"合作组织+行政辅助"这一制度安排动态变动的边界。在这一制度安排中,实现了政府、协会本身和协会会员之间的三方正和博弈状态,这构成了该种制度安排的运作逻辑。随着渔业保险规模的扩大,渔业经济发展进入了新的阶段,渔民的自组织成本相对降低,官方组织成本相对提高,两者此消彼长的变化就可能导致协会政府力量的收缩和民间性的增长。同时,外部保险市场竞争环境的变化使得渔民的选择空间与集合增大,这进一步增强了其对于协会民间性的诉求。协会"民办公助"二重性边界的可能变化的关键在于重塑协会与政府的良性互动关系。在当前的条件下,二者的良性互动表现为"从整合到自治",即协会仍然表现出较强的对政府的依赖,同时,协会民间性与自治性的增强主要取决于政府的制度安排。随着协会的发展及其自治化的增强,二者的良性互动将表现为"从自治到整合",即在协会自治的基础上实现协会与政府的更加协调的合作关系。
China Fishery Mutual Insurance Association adopts an operation model of ＂ support＂. This model originates from the fact that fishermen＇s self-organization cost is cooperation ＋ administrative higher than official organiza- tion cost. And the ratio of the two costs outlines the swing frontiers of this ＂cooperation ＋ administrative support＂ system arrangement. This system arrangement has achieved a positive-sum game relationship among the three parties of government, the association, and association members. As the scope of fishery insurance expands, the dustry fishery in- has ushered in a new stage of development. The self-organization cost of fishermen has relatively decreased while the official organization cost has gone up. This contrast of trends may lead to the contraction of the official weight and the rise of civilian force. Meanwhile, the change of external competition environment in the insurance market may broaden the choices of fishermen, which will further strengthen its motivation to highlight the civilian nature of the association. The key for possible change of the ＂civilian body with government support＂ feature of the association is to reshaping the harmonious interaction between the association and the government. In the current sit- uation,the harmonious interaction can be exhibited as ＂transiting from integration to self-discipline＂, which means that the association still has a strong dependence on government support, and the strengthening of its civilian nature and self-discipline capability mainly depends on the government＇s system arrangement. As the association further develops and its self-discipline capability is further enhanced, the harmonious interaction between the two parties will be exhibited as ＂transiting from self-discipline to integration＂, which refers to a more harmonious cooperation relationship between the association and the government on the basis of the association＇s full self-discipline.
出处
《保险研究》
北大核心
2011年第5期36-46,共11页
Insurance Studies
关键词
渔业保险
协会
运作模式
fishery insurance
association
operation model
