CAJ | 학술논문

农业保险作为农业风险管理的重要的财务安排手段,被世界各国所广泛采用,但农业保险又是一个世界性的难题。由于存在信息不对称、外部性等市场失灵问题,政府常常通过保费补贴等形式介入农业保险市场。我国农业保险市场失灵的原因主要有二：信息不对称和外部性。为弥补市场失灵,政府应对农业保险市场进行适当的干预,主要可采取通过给予财政补贴和提供高质量数据和信息以纠正农业保险市场中存在的市场失灵问题、构建适当的法律和监管框架、对农民进行农业保险知识方面的培训等措施。
농업보험작위농업풍험관리적중요적재무안배수단,피세계각국소엄범채용,단농업보험우시일개세계성적난제。유우존재신식불대칭、외부성등시장실령문제,정부상상통과보비보첩등형식개입농업보험시장。아국농업보험시장실령적원인주요유이：신식불대칭화외부성。위미보시장실령,정부응대농업보험시장진행괄당적간예,주요가채취통과급여재정보첩화제공고질량수거화신식이규정농업보험시장중존재적시장실령문제、구건괄당적법률화감관광가、대농민진행농업보험지식방면적배훈등조시。
As a financial tool of managing agricultural risks, agricultural insurance has been wildly accepted by countries in the world. However, agricultural insurance is faced with a lot of challenges. Governments often intervene in agricultural insurance market and give insurance premium subsidies for the reasons of market failure, such as asymmetric information and externality, which is the main two reason of market failure in the agricultural insurance in China. In order to offset market failure, government should intervene in it properly, for example, by providing public subsidies and enhancing data and information systems; establishing reasonable legal and regulatory framework; supplying trains for famers in agricultural insurance knowledge.