改革与战略
改革與戰略
개혁여전략
Reformation & Strategy
2014年
8期
52~56
,共null页
农业保险 供需矛盾 财政补贴 准公共品 正外部性
農業保險 供需矛盾 財政補貼 準公共品 正外部性
농업보험 공수모순 재정보첩 준공공품 정외부성
agricultural insurance; the contradiction between supply and demand; financial subsidies; the quasi public goods; positive externalities
农业保险经营的高昂成本及很低的投保率使农业保险难以商品化和市场化，需要政府介入以扩大其有效需求；农业保险是一种准公共品和优值品，需要政府通过补贴方式强制或鼓励农民投保；农业保险较强的外部经济性，需要政府介入以节约其交易费用，提高交易效率；政府支持农业保险会增加社会福利；农业保险承保的风险特殊性及技术障碍的解决离不开政府支持。
農業保險經營的高昂成本及很低的投保率使農業保險難以商品化和市場化，需要政府介入以擴大其有效需求；農業保險是一種準公共品和優值品，需要政府通過補貼方式彊製或鼓勵農民投保；農業保險較彊的外部經濟性，需要政府介入以節約其交易費用，提高交易效率；政府支持農業保險會增加社會福利；農業保險承保的風險特殊性及技術障礙的解決離不開政府支持。
농업보험경영적고앙성본급흔저적투보솔사농업보험난이상품화화시장화，수요정부개입이확대기유효수구；농업보험시일충준공공품화우치품，수요정부통과보첩방식강제혹고려농민투보；농업보험교강적외부경제성，수요정부개입이절약기교역비용，제고교역효솔；정부지지농업보험회증가사회복리；농업보험승보적풍험특수성급기술장애적해결리불개정부지지。
The high natural cost and the very low rate of agricultural insurance management make the agricultural insurance commercialize and market very difficult, which needs government intervene to enlarge effective demand; agricultural insurance are kinds of quasi public and merit goods, which needs government by the way of subsidies enforce or encourage farmers to buy agricultural insurance; the externality of agricultural insurance needs government intervention, and the intervention can reduce transaction cost and improve the transaction efficiency; government support for agricultural insurance will increase the social welfare; without government support the special risk and technical obstacles of agricultural insurance management can not been settled.
