摘要
本文针对自主投保和强制投保两类农业保险投保形式,分别建立RCK模型,并引入保费补贴比例变量,考虑农业的外部性,建立政府净收益最大化模型。以农业产出水平及政府净收益为标准,比较了两类投保形式的优劣,分析得出相应的最优保费补贴比例。研究结果表明,当强制投保比例超过阈值时,强制农业保险优于自主投保农业保险;并在强制投保情况下,得出的最优投保比例和最优保费补贴比例能够较好解释现实情况。综合考虑,政府应采取强制投保农业保险的形式,并适当提高强制投保比例及保费补贴比例。
In regard to the existence of voluntary and compulsory agricultural insurance participation forms, this paper established the RCK model for each separately, and introduced the premium subsidy percentage as a variable to the models. With consideration to the externality of agriculture, it set up the government net return maximization model. Using agricultural output and government net return as the standards ,it then compared the pros and cons of these two forms of participation, and arrived at their optimal premium subsidy percentages. The results showed that when the percentage of compulsory participation exceeded the threshold, compulsory participation was superior to voluntary participation;and the optimal participation ratio and the optimal premium subsidy ratio arrived at in this case complied with the actual situation. Taking all factors into consideration,the government should adopt compulsory agricultural insurance, and raise the coverage ratio and premium subsidy ratio at the same time.
作者
周县华
廖朴
王娅婷
ZHOU Xianhua LIAO Pu WANG Yating(China Institute for Actuarial Science, Central University of Finance and Economics, Beijing 100081 Xinjiang Investment Development （Group） Co. LTD,Urumqi 830000)
出处
《保险研究》
CSSCI
北大核心
2017年第2期17-28,共12页
Insurance Studies
关键词
自主投保
农业保险
强制农业保险
投保比例
保费补贴
voluntary insurance participation
compulsory agricultural insurance
coverage ratio
premium subsidy
作者简介
周县华，博士，中央财经大学中国精算研究院副教授，研究方向：农业保险、保险财务；
廖朴，博士，中央财经大学中国精算研究院讲师，研究方向：农业保险、保险经济学；
王娅婷，硕士，新疆投资发展（集团）有限责任公司。
