解决我国农业保险缴费瓶颈的一种尝试:现代易货交易

当前,我国农户相对不足的农业保费缴纳能力与缴纳意愿是制约农业保险进一步发展的瓶颈。政府有限的财政补贴与农业风险管理技术手段的改进措施均无法从根本上突破这一困境。为此,本文在对农户农业保险消费行为进行重新诠释的基础上,借鉴现代易货交易的实践与经验,提出了一个新的解决思路,即将现代易货交易与农户农业保险的投保行为有机融合在一起,并对这一解决途径的可行性进行了深入分析,进而提出了相应的具有现实操作性的措施建议。

An Attempt to Breakthrough the Predicament of Paying Agriculture Insurance Premium:Modern Barter System

Currently,an accepted fact is that the relatively lacking ability and will of Chinese farmers to pay agriculture insurance premium have been the bottleneck factors to restrict the deep development of agriculture insurance.All the measures including the limited fiscal subsidy of government and the improvement of agricultural risk management and techniques are unable to breakthrough the predicament radically.Therefore,based on afresh annotating the farmers' consumption behaviors of agriculture insurance,this paper puts forward a new settlement taking the practices and experiences of modern batter system as references,that is,inosculating logically the paying consumption behaviors of agriculture insurance and the modern barter system,and deeply analyzing the measurement.The corresponding and operable advice is brought forward in the end.