湖南省政策性农业保险中的利益冲突分析

政策性农业保险具有标的价值难以确认、风险难以转移、产品具有公共性等特点。湖南省政策性农业保险试点取得了巨大的成就,但也存在保险赔付低、财政补贴总额偏低但占比过高、保险密度低等问题。目前农业保险三大主体——政府、农民和保险公司之间的利益冲突是造成诸多问题的根本原因,应引进相对独立的农业保险中介公司,有效消除各方利益冲突,实现政策性农业保险的基本目标。

Analysis on Interest Conflict of Policy-oriented Agricultural Insurance in Hunan Province

Policy-oriented agricultural insurance has some characteristics such as the subject value is difficult to confirm,the risk is difficult to transfer and the products have public nature.Policy-oriented agricultural insurance pilot in Hunan province has made tremendous achievements,but there are also many problems such as insurance payments is less,the total financial subsidies is low but the proportion is too high,insurance density is low and so on.Presently the interest conflict among the three bodies of agricultural insurance,which include government,farmers and insurance companies,is the root cause of the problems.We should introduce the agricultural insurance intermediary companies as a relatively independent to effectively eliminate the interest conflicts and achieve the basic objectives of policy-oriented f agricultural insurance.