信息不对称与农业保险有效供给的经济分析

农业生产具有自然生产与经济生产相结合的特性。这一特性决定了农业对自然过程、自然环境等自然因素具有强烈的敏感性和依赖性。自然因素变化无常、难以控制及差异性,增加了农业保险经营者获取农业保险标的物的信息成本,加剧了农业保险市场因信息不对称引起的逆选择、道德风险等行为,进而影响保险有效供给,引发市场失效。探讨信息不对称下的农业保险供给问题,寻求一种可行的农业保险有效供给模式具有现实价值。

An Analysis on Asymmetric Information and Effective Supply of Agricultural Insurance

Agricultural production has the characteristics of natural production and economic production. This enables agriculture to be highly sensitive and dependent on natural factors. It may account for the incerease of the agriculture insurance information cost, adverse selection and moral hazard because of asymmetric Information, thus inflnencing effective insurance supply and market failure. The paper is intended to seek an effective approach to the efficient supply of agrueult ural insurance.