摘要
我国21年的农业保险试验走过了艰难的历程,取得了四大成就,特别是对农民进行了现代风险管理的启蒙教育,在经营模式方面进行了多种尝试。从保险经营的角度分析起来,试验者遇到了六大矛盾,即(1)农业保险的高费用、高费率与农民购买力较低的矛盾,(2)农业和农业保险的较低预期收入与发展农业保险的政策目标的矛盾,(3)农业保险利益的外在性与保险双方长远利益的矛盾,(4)在较大范围分散农业风险的需要与试验范围狭小的矛盾,(5)在较长时间里分散农业风险的需要与农业保险实验在一个地区不连续的矛盾,(6)农业保险的政策性质与商业保险公司的经营目标的矛盾。在上述分析的基础上,本文提出了两种举办政策性农业保险的可供选择的制度模式。
The agricultural insurance pilot experiment in China has got good experience and achievements especially given farmers a illuminative education in risk management for agriculture since 1982, even though the pilot experiment is not so successful. The paper discusses six contradictions that are main causes of its failure during the experimental period. The authors concludes that in order to develop agricultural and rural areas, China should institute agriculture insurance system. And two choices of operational model for the construction of agriculture insurance system are proposed finally.
出处
《金融研究》
CSSCI
北大核心
2003年第9期88-98,共11页
Journal of Financial Research
关键词
农业保险
制度创新
agriculture insurance, institutional innovation
