摘要
根据我国的农业生产特点和保险业发展水平,选择适合的政策性农业保险的发展道路,需要对现有的政策性农业保险体系进行完善。建立差异化的半强制性保险制度,增加农业保险的覆盖面积,最大程度的分散风险。建立"农业保险相互会社"参股的农商合作股份公司创新模式,增加风险评估能力和理赔准确度,减少道德风险的影响。建立多层次的农业再保险体系,应对可能发生的巨灾风险。另外,农商合作股份公司应当注重加强防灾防损和农户的防灾减灾教育工作,发挥风险管理功能,减少逆向选择。
Based on the characteristics of China＇s agricultural production and insurance development, it is necessary to choose a suitable approach to improve the current policy agriculture sector insurance system. To this end, we must establish differentiated and half compulsory insurance system to expand the coverage, and to disperse risk to the largest extent. We must also establish the ＂cooperative association of rural insurance＂ and innovate new forms of share-holding companies of farmers and business persons, increase the risk assessment and compensation accuracy and reduce moral risk. We must also establish multi-layer reinsurance system to cope with possible disasters. In addition, the cooperative association should prioritize education on disaster prevention and relief and enhance the function of risk management and reduce reversed choice.
出处
《江西财经大学学报》
CSSCI
北大核心
2010年第3期47-51,共5页
Journal of Jiangxi University of Finance and Economics
基金
上海师范大学社科基金项目(A-3138-10-010029)
关键词
农业保险体系
半强制保险
农商合作
再保险
Rural insurance system
Half compulsory insurance
Cooperation of farmers and business persons
作者简介
欧阳越秀，上海师范大学讲师，主要从事保险与风险投资研究。
