政策性农业保险发展的新制度经济学分析

农业保险是一种有效地分散农户风险和经济损失的风险管理机制。近年来，中国政策性农业保险发展取得了较大进展，但面临的问题也日益突出。本文在回顾我国农业保险的发展历史与现状的基础上，结合农业保险的准公共物品属性，从新制度经济学视角，运用交易费用、外部性以及产权等相关理论剖析了我国政策性农业保险发展的需求诱因和收益，同时分析了政策性农业保险实施后带来的新问题。在此基础上，对我国政策性农业保险的发展提出了相关的政策建议，以期促进政策性农业保险的良性发展，更好地为“三农”服务。

New Institutional Economics Analysis on Agricultural Insurance Development

Agricultural insurance is a decentralized agricultural and economic loss risk effectively risk management mechanism .In recent years , policy agricultural insurance development has made great pro-gress in China , but the problems are also increasingly prominent .The paper based on the review of the history and current situation of China ’ s agricultural insurance , from the perspective of new institutional e-conomics , analysis on the needs of policy incentives for the development of agricultural insurance , income and institutional deficiencies exist through the theory of transaction costs , external and property rights , and on this basis , put forward the policy and recommendations for Chinese agricultural insurance .