西班牙农业复合保险制度研究

西班牙是农业发达国家,其农业复合保险制度运作较为成功,而且独具特色。本文分析了西班牙农业复合保险制度的法律框架、主要内容和特点,借鉴西班牙农业复合保险制度的成功经验,提出构建我国农业保险制度的相关建议,包括加快农业保险立法进程,建立政府、商业保险公司和农民专业合作社之间的公私协作机制、农业巨灾再保险制度、农业保险纠纷仲裁制度和农民参与农业保险决策与管理机制,政府的保险费补贴应体现更加具体的政策目标,等等。

Research on the Spanish Combined Agricultural Insurance System

As a developed country in agriculture,Spain has developed a successful and unique combined agricultural insurance system.In this paper,the author studies its legal framework,main contents and features,draws lessons from its successful evolution experience,and put forward suggestions to establish agricultural insurance system in China.The suggestions include speeding up legislation process on agricultural insurance,establishing a coordination mechanism among government,commercial insurance companies and rural credit union by farmers,setting up agriculture catastrophic insurance system,founding an arbitrage system for agriculture insurance and a management mechanism with participation by farmers,and setting a more concrete goal for government insurance subsidiaries etc.