我国农业保险供求主体有效合作模式的思考

近年来,我国农业保险快速发展,但仍存在着承保额不足、基础服务不完善、经营区域划分不合理等问题。本文基于农业保险合作模式的效用分析,认为政府主导下商业保险公司经营模式是比较符合我国国情,能够充分调动政府、企业、农民三方积极性的有效的农业保险组织发展模式。为了保证这一合作模式的落实,本文从完善农业保险的激励机制、保障机制和监督机制等方面提出了对策建议。

Effective cooperation mode of supply and demand of agricultural insurance in China

In recent years, agricultural insurance in China is developing rapidly, whereas problems such as insufficient insurance coverage, incomplete basic services, and unreasonable business division still exist. Based on utility analysis on agricultural insurance cooperation mode, this paper elucidates that the business mode operated by commercial insurance companies under governmental guidance is suitable for our national condition. This is an effective developing mode for agricultural insurance organizations which can fully arouse the enthusiasm of the government, the companies, and the farmers. In order to ensure the implementation of this mode, this paper puts forward countermeasures and suggestions in aspects of the implementation of incentive mechanism, guarantee mechanism, and supervision mechanism in agricultural insurance.