广东渔业保险发展：问题与对策

通过对广东渔业保险发展历程及现状考察，揭示广东渔业保险发展滞后，供求失衡、运作效率低下等问题，导致这些问题的主要原因是供给约束、需求抑制及农村金融制度环境的制约。结合渔业产业特性以及由此导致的渔业保险的逆向选择及道德风险等特点，提出渔业保险应该实行政策性保险，政府在渔业保险中发挥主体性作用，“政府＋渔民（船）互保协会＋商业保险”是广东渔业保险的主体模式。

An Analysis on Fishery Insurance in Guangdong

Based on the review of the actuality of fishery insurance in Guangdong,the paper indicates that the development of Guangdong fishery insurance is unbalanced in supply and demand,its operation being inefficient.The main reasons consist in restricted supply,restrained demand and the lag of rural financial environment.In consideration of the speciality in fishery insurance such as converse option and moral risk,the paper holds the point that the administrative fishery insurance should be implemented as well as the co-operation among the government,fishery association and the commercial insurance.The main mode should be "government fishery association commercial insurance".