CAJ | 학술논문

一些边远地区的农业保险市场呈现有效供需不足的低水平均衡状态，其主要原因在于：农业保险较高的风险与成本、边远地区财力支持不足以及农保市场信息不对称等导致农业保险供给减少；而农保市场信息不对称导致较高的保费，保险公司过低的赔付额与部分不合理条款以及农户较低的参保能力与意愿抑制了农户对保险业务的有效需求。应采取相应措施，促进边远地区农业保险可持续发展。
일사변원지구적농업보험시장정현유효공수불족적저수평균형상태，기주요원인재우：농업보험교고적풍험여성본、변원지구재력지지불족이급농보시장신식불대칭등도치농업보험공급감소；이농보시장신식불대칭도치교고적보비，보험공사과저적배부액여부분불합리조관이급농호교저적삼보능력여의원억제료농호대보험업무적유효수구。응채취상응조시，촉진변원지구농업보험가지속발전。
In some remote areas, the agricultural insurance markets are in low level equilibrium, given the inadequacy of effective supply and demand. The main reasons are： the decrease in the supply of agricultural insurance due to high risks and costs of agricultural insurance, inadequate financial support in remote areas and asymmetric in- formation in agricultural insurance market; while the high insurance premium caused by asymmetric information in agricultural insurance market, low indemnity, unreasonable terms and the low capability and willingness of farmers to participate restrain the effective demand. We should adopt measures to promote the sustainable development of agricultural insurance in remote areas.