摘要
本文首先运用经济学手段分析了农业保险有利于整个社会福利水平的提高,但生产者剩余会逐渐向消费者转移,造成保险人在经济上可能并不得益,被保险人在一定阶段可获得收益,而广大消费者是最大和最终的获利者。基于此,同时结合国际上开展农业保险的经验及我国的实际,指出我国农业保险制度的完善应建立在政府主导的基础之上。
This article analyzes that agricultural insurance is advantageous to improvement of society welfare. However, insurer may not be beneficiary, the insured win be beneficiary sometimes. The big and end beneficiary is the most consumer. Then, based on it, meanwhile, according to other country experience on agricultural insurance, point out that the perfecting of our agricultural insurance regulation must be based on government-guiding.
出处
《上海金融学院学报》
2005年第5期57-59,共3页
Journal of Shanhai Finance University
关键词
农业保险
社会福利
agricultural insurance
society welfare
作者简介
殷树荣（1969-）。男，西南财经大学经济学博士生；
李新颜（1976-），女，西南财经大学经济学博士生。
