摘要
2007年以来,我国农业保险发展突飞猛进:初步建立了以商业保险公司为主的供给体制,农业保险的经济补偿作用、再分配功能得到有效发挥,农业保险成为各级政府"三农"工作的重要"抓手",为深化农村金融体制改革做出贡献。然而,在发展的同时也遇到了一些障碍:制度性缺陷逐步显露,逆选择和道德风险防不胜防,面临微观经营两难选择,财政补贴进退维谷,大灾风险分散机制尚待健全。为促进我国农业保险可持续发展,应尽早建立完善的农业保险法律体系;努力做好农业保险制度的顶层设计;最后,应在全国建立统一的研究和管理机构,推进我国农业保险制度建设。
China＇s agricultural insurance has seen exponential development since 2007. The supply mechanism with commercial insurance companies as the main supplier was established initially, the financial complementary role and income redistribution role of agricultural insurance were displayed effectively, and agricultural insurance became the key starting point of ＂the work related to countryside, agriculture and farmers＂, and therefore contribu- ted to the financial mechanism reform in rural areas. However, we have also encountered some obstacles in the process of development：some policy defects emerged gradually, moral hazards and adverse selection were hard to control, fiscal subsidy ran into a dilemma in the face of micro operational difficulties, and the risk spread system for major disasters remained to be established. In order to maintain a sustainable development of agricultural insurance, we should complete the related legal system as soon as possible, enhance the top-tier design for agricultural insurance policies, and establish a unified research and administration institution nationwide for further promoting institutional construction for agricultural insurance.
出处
《保险研究》
CSSCI
北大核心
2012年第12期21-29,共9页
Insurance Studies
关键词
农业保险
成就
阻碍
前景
agricultural insurance
achievement
obstacles
prospect
