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本文首先回顾了我国政策性农业保险的发展历程,结合发展现状对农业保险所产生的正外部性及其准公共产品的性质进行了分析,其除了具有市场供给和市场需求的双向不足之外还包括投保前的逆选择及投保后的道德风险、政府与保险公司的寻租利益链等问题。政策性农业保险的发展需要基于相关法律法规的支持和经营模式的改变,同时还要进一步改善财政补贴的方式并提高财政补贴的效率以保证政策性农业保险的稳健发展。
This paper first reviews the development history of policy-oriented agricultural insurance in our country and analyzes the positive externality of agricultural insurance and the nature of its quasi-public products based on the current situation of development. In addition to the two-way shortage of market supply and market demand, Including the adverse selection before the insured and moral hazard after the insured, the government and the insurance company’s rent chain and other issues. The development of policy-oriented agricultural insurance needs support based on relevant laws and regulations and changes in business models. At the same time, we must further improve the ways of financial subsidies and improve the efficiency of financial subsidies so as to ensure the steady development of policy-oriented agricultural insurance.