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我国经济发展迅速,农业也越来越受到重视,但农业保险多年来一直处于停滞状态,并形成了高保费率和高赔付率并存的现状。本文从经济学角度出发,分析其原因主要是投保人的逆选择和保险人的管理低效。我国应借鉴西方国家成功经验,并结合当前国情,根据不同地区农业发展的水平,选择适宜的农业保险模式,引进充分竞争,打破垄断经营。
With the rapid economic development in our country and the increasing emphasis on agriculture, agricultural insurance has been at a standstill for many years and a coexistence of high-premium-rate and high-loss-sharing rate has taken shape. This article from the economic point of view, analysis of the main reasons for the adverse selection of insured and insurer management inefficient. In light of the successful experience of western countries, our country should select suitable agricultural insurance mode according to the current national conditions and according to the level of agricultural development in different regions, introduce full competition and break the monopoly.