政府介入对政策性农业保险的运作效率影响的分析

本文从保费补贴和交易成本两个方面剖析了政策性农业保险运作效率的影响因素，认为诸多因素的共同作用决定了保费补贴的激励效果，也决定了实现既定参与率所需的财政补贴规模。同时，各种类型的交易成本通过直接或间接的方式影响着政策性农业保险的运作效率。因此，本文提出不同国家应根据本国国情确定合适的保费补贴政策。通过机制设计降低交易成本成为提高政策性农业保险运作效率的关键。

Factors Influencing the Efficiency of Policy -oriented Agriculture Insurance

Efficiency is defined as obtaining a target level of participation of agriculture insurance at a minimum cost.Subsidy and transaction costs are the determinants on the efficiency of policy-oriented agriculture insurance.Many factors influence the effect of subsidy effect,thus,the scale of subsidy.Transaction costs also influence the efficiency by direct or indirect way.So,we point out that formulating subsidy policy on the conditions of individual country and declining the transaction costs by mechanism des...