周美琴;叶涛;史培军;聂文东;

• 1:北京师范大学地表过程与资源生态国家重点实验室
• 2:民政部—教育部减灾与应急管理研究院

摘要：

本文以湖南省为例,通过调研发现,我国政策性种植业保险在上一阶段的试点中面临的主要问题包括,种植业生产风险的相关性与不确定性使得相关的保险产品定价困难,风险分散的效率低;我国小农经济、分散经营的国情使得保险工作量大,经营成本高;农民缺乏基本的自然灾害保险的知识,风险意识较差。在种植业保险的机制设计与运营实践中,政府职能超越了引导鼓励的范围;产品设计违背了市场运作的原则;统保模式违背了自主自愿的初衷;利益不一致破坏了协同推进的效果。解决当前的主要问题应当建立有效的成本分担机制和激励机制,通过合理的产品设计和制度创新实现共赢,并充分发挥基层的力量,协调配合各个部门,以促进我国种植业保险工作的深入开展。

关键词： 种植业保险;制度设计;执行情况;政策建议

Abstract: Taking Hunan Province as example,this article reviewed operational mode characteristic and problems in the implementation of policy-oriented crop insurance from 2007 to 2010,and proposed relevant recommendations.Through investigation in Hunan Province,it is found that main objective issues include: the mutual dependency and uncertainty inherent in agricultural risk make difficult pricing and inefficient risk diversification;vast terrain and decentralized policy-holders make large workload and high administrative costs;farmers lack the basic knowledge about natural disaster insurance.The main problems in design and operation mechanism include: governments' function goes beyond the extent of guidance and encouragement;product design violates the principle of market operation;a unified model of underwriting goes against the original intention of voluntarism;inconsistent interests damage the co-promoting effects.To solve the main problems,reasonable rates should be set Based on scientific and technological support;an effective cost-sharing mechanisms and incentives should be established;the strength of grass-roots level should be given full play;various departments should be coordinated to promote crop insurance development.

Keywords:

基金项目: 国家自然科学基金委项目“巨灾风险防范-IHDP-IRG核心科学计划案例研究”(编号:40821140354)

通讯作者:

Email:

参考文献：

• 1.Peijun Shi,Di Tang,Jing Liu,Bo Chen,Meiqin Zhou.2008,Natural Disaster Insurance:Issues and Strategy of China.In:Asian CatastropheInsurance,Edited by Charles Scawthorn and Kiyoushi kobayashi,FIAGSTONERE,London:79～93
• 2.Swiss Reinsurance Company Ltd.2008.Setting up Sustainable Agricultural Insurance:the Example of China.Focus report of Swiss Re
• 3.湖南省财政厅.关于印发湖南省2009年农业保险实施方案的通知.湘财金(2009)19号
• 4.湖南省财政厅等.关于印发湖南省2009年政策性农业保险条款的通知.湘财金(2009)20号
• 5.经济参考报.我国政策性农业保险推行亟需克服三大难题.http://www.sina.com.cn,2007-12-04
• 6.朱俊生,庹国柱.中国农业保险制度模式运行评价———基于公私合作的理论视角.中国农村经济,2009(3):14～19