摘要
农业是国民经济中的弱质产业，规避和转移风险的能力较弱，农业保险是农民风险损失能得到及时弥补的有效手段。农民货币收入与农业保险需求高度相关，是制约农业保险需求大小的主要因素；在货币收入达到或超过其基本生活需要的临界值后，才可能产生农业保险需求。现阶段农业保险需求的收入弹性较大，保险需求的增长快于农民收入的增长。为加快农业保险的发展，国家应积极采取措施，提高农民收入；采取倾斜性财税政策，支持农业保险发展；建立专业性相互保险组织和政策性农业保险公司、同时加大对农业保险的宣传和推广力度，提高农民保险意识。
Agriculture is a disadvantaged industry in the national economy and is relatively weak in risk transfer and avoidance. Agricultural insurance is an effective way to cover farmers losses. Demands for agricultural insurance are closely related to farmers＇ monetary income, and the latter is the major factor affecting the level of demands for agricultural insurance. Only when farmer＇ monetary income reaches or exceeds their basic livelihood needs, should there be demands for agricultural insurance. The income elasticity for agricultural insurance is so big that increase of insurance demands is faster than increase of farmers＇ income. The state should take proactive measures to increase farmer＇s income level in order to accelerate development of agricultural insurance. It can also use taxation measures and set up specialized mutual agricultural insurance company or policy agricultural insurance company to support agricultural insurance＇s development. At the same time, publicity should be enhanced to increase farmer＇s awareness for the importance of agricultural insurance.
出处
《保险研究》
CSSCI
北大核心
2005年第12期29-30,20,共3页
Insurance Studies
关键词
农民收入
农业保险需求
相关系数
收入弹性
farmer＇s income
demands for agricultural insurance
factor of correlation
income elasticity
作者简介
熊军红，中国人寿保险（集团）公司资产管理部风险管理处处长，南开大学保险系2002级博士研究生；
蒲成毅，经济学博士。重庆工商大学财政金融学院副教授，主要从事保险教学和研究。
