浅析我国农业保险的路径依赖

文章以边际理论与博弈论为分析工具 ,分析了我国农业保险商品需求不足、供给有限的成因 ,探讨了政府、保险公司与农民三者之间的博弈及其均衡 ,指出实现政府、保险公司和农民三赢的策略是 :国家制定法律促使政府启动政策性农业保险 ,启动资金通过发行国债筹集 ;农业保险实行商业化运作 ,政府仅提供政策支持 ,对农民进行直接保费补贴 ,对保险公司进行税收减免 ;通过利益诱导机制 ,将农民推向保险公司 ,将保险公司引向农业。

Analysis of the Route Dependence of China's Agricultural Insurance

Based on marginal analytic theories and game theories, this paper analyses the inadequacy demand and supply of agricultural insurance, probes into the games and equilibrium between the government, insurer and farmer, puts forward that the legislature make agricultural insurance law to impel the government to kick it off, to arise opening funds by means of delivery of Treasury bonds, to implement agricultural insurance commercially, boosting up the farmer up by the government through policies and cutting down insurer's tax burden, pushing the farmer to the insurer and inducing the insurer to agriculture, should be the rational route selection of China's agricultural insurance.