农业保险市场

我国农业保险市场失灵与制度供给

Market Failure and Institution Supply of Agriculture Insurance in China

农业保险市场利益相关者的博弈分析

Game Theoretical Analysis of the Relevant Benefiting Groups in the Agricultural Insurance Market

因此，农业保险市场发展亟需政府介入。

Imbalance , Therefore , the agricultural insurance market development needs the government intervention .

农业保险市场失灵的经济学分析

Economic Analysis of Failure in Agricultural Insurance Market

巨灾风险、保费补贴与我国农业保险市场失衡分析

The Analysis on Catastrophic Risk , Premium Subsidy and the Disequilibrium of Agricultural Insurance Markets in China

对我国农业保险市场的分析与思考

Agricultural Insurance in China

针对西部贫困地区的这种现状，农业保险市场要有效运转，必须通过政府和保险公司两个方面的共同努力才能实现。

Only when the government and the insurance company make their joint efforts can the efficient operation of the insurance market be realized .

政府在设计农业保险市场时，必须兼顾市场中各方的利益平衡&收益与风险。

The government in the design of the agricultural insurance market , we must balance the interests of all parties in the market balance-income and risk .

针对这三大属性，作者认为再保险、相互组织和政府干预是解决农业保险市场失灵的主要措施。

Aiming at these three greatest attributes , the author think that re-insurance , government intervention and mutual organization are the main measure to solve out of order of the agriculture insurance .

本文指出，系统性风险、信息不对称和供求的双重正外部性是农业保险市场失灵的一般原因，但在我国导致农业保险市场失灵的根本原因则是制度供给不足。

Systemic risk , Asymmetric Information and dual externalities are universal causes of the market failure of agriculture insurance , and in China the insufficiency of the institution is the main cause .

第三章分析我国农业保险市场失灵的根本原因&供给不足型制度非均衡，并探讨我国农业保险制度变迁的基本思路；

It clarifies the ultimate cause of China'j agriculture insurance market failure , ie institutional non-equilibrium of supply deficiency type , and discusses the basic logic of institutional change of China 's agriculture insurance .

其三，由于农业保险市场信息不对称及高的经营成本，我国商业保险不愿意介入农险，而政策性农业保险也存在一定的困境。

Thirdly , due to information asymmetry and high operating costs in agricultural insurance market , the commercial insurance in China did not want to be in agricultural insurance , and the policy-oriented agricultural insurance also had certain difficulties .

2004年，全国实现保费收入达到4318.1亿元，同比增长11.3%。与此形成鲜明对比的是我国农业保险市场日益萎缩。

By the end of 2004 , the national premium has reached to 431.81 billion Yuan , which increases 11.3 % compared with that in year 2003.However the agricultural insurance ( AI ) market is distinctly different , the premium in this market gets lower and lower .

本研究运用福利经济学的分析方法，通过政府补贴作用于保险价格进而影响保险市场主体的福利，利用消费者剩余、生产者剩余和社会剩余衡量农业保险市场主体的福利变化。

The study focuses on welfare economics theory , through the principle that thinking the price subsidy will have effect on the agricultural insurance market , then we can adopt the change of consumer surplus , producer surplus and social surplus to measure the welfare change of market players .

农业保险是市场经济国家扶持农业发展的通行做法。

Agricultural insurance is a market economy , state support for agricultural development in common practice .

共保体作为最特殊的一类保险组织，以两种形态存在于农业原保险市场。

Agricultural insurance corporate bodies as a unique insurance organization , exists in the agricultural insurance market for two forms .

目前国内外农业原保险市场上主要有综合性商业保险公司、商业性农业保险公司、农业保险共保体三大类商业性农业原保险组织。

At present , in domestic and foreign agricultural insurance markets , there are three main types of physical security of agricultural business organizations , which contains comprehensive commercial insurance companies , commercial agricultural insurance companies and the agricultural insurance corporate bodies .

尝试建立蚕茧风险规避体系，积极探索建立蚕桑生产农业保险，减少市场风险，切实保护蚕农利益，巩固蚕桑产业基础。

Attempt to establish a cocoon of risk aversion system , and actively explore the establishment of sericulture production of agricultural insurance , reduce market risk , protect sericulturist interests , consolidate the basis of sericulture industry .

许多学者认为建立政策性农业保险是解决我国农业保险市场萎缩的关键所在。

Lots of authors are sure that policy insurance in agriculture is a solution to agricultural insurance depression .

本研究认为，农业保险形成机制是指影响农业保险市场形成、运转的内在因素及其综合作用下所形成的农业保险市场的运行状态。

It is reckoned that the mechanism of agriculture insurance means the circulation state of its market formed by the intrinsic factor and integrated effect which influence the form and operation of the market .

2007年，国家财政首次对农业保险实施保费补贴，极大地促进了农业保险市场的发展。

In 2007 , the first time the central government subsidies for agricultural insurance , making a significant development of agricultural insurance .

此外，中央财政对各地农业保险支持力度的不同，也造成了各地农业保险市场形成和发展的差异。

Besides , the differences on support strength from center finance bring on the diversity of the forming and developing of agriculture insurance market .

作为农业保险制度的重要组成部分，农业保险补贴的基本功能是弥补农业保险市场失灵，促进农业保险市场健康发展。

As an essential component of agricultural insurance system , the basic function of the agricultural insurance subsidy is to make up for agricultural insurance market failure , and promote the healthy development of the agricultural insurance market .

得出农业保险作为风险管理的重要手段，由于其准公共物品和外部性特征导致农业保险市场失灵，政府必须通过诱导性的制度变迁和创新，实现农业保险市场健康持续发展的结论。

Agricultural insurance as an important means of risk management , due to its quasi-public goods and external characteristics of the agricultural insurance market failure , so government must induced institutional change and innovation to achieve healthy and sustainable development of agricultural insurance market . 2 .

由于农业保险在各国商业化经营的失败，很多国家不得不通过不同的补贴政策介入农业保险市场，将农业保险定位于政策性保险，并且在立法中明确农业保险的政策目标。

As a result of the failure of private agricultural insurance markets , many countries have adopted different political intervention to subsidize the agricultural insurance market , put agricultural insurance in the position of political insurance , and clearly declare its policy goal in the agricultural insurance legislation .

从农业保险参与主体的角度分析了中国农业保险当前存在的主要问题，同时还分析了农业保险的市场机制问题。

At last , we analyze the main problem doers and the mechanism of market in china .

自1992年起，我国农业保险业务逐年萎缩，农业保险赔付率过高已成为保险公司开办此项业务的主要障碍，农业保险市场出现了供求“双冷”的局面。

The operation of commercial agriculture insurance has been reduced sharply since 1992 . the biggest obstacle of the business of companies is too high compensation rate , and this leads to thinness of the supply and demand on the market .

由于农业的高风险性和农户对农业保险的低有效需求，对于多数农业保险险种来说并不存在一个完全的农业保险市场。

The low valid need of the farmers can 't support a commercial agricultural insurance market and the low income of the agricultural insurance can 't maintain the business of agricultural insurance companies .

农业保险的特性决定了它是一种政策性保险，无法完全由商业保险公司经营，政府的财政支持是农业保险市场发展的必要条件，国外的农业保险实践也说明了这一点。

The nature of agricultural insurance determines that it must be treated as policy insurance , which cannot be provided by commercial insurance companies . Policy support from government , especially its financial subsidy is essential to its smooth development .