我國農(nóng)業(yè)保險定價的國外經(jīng)驗借鑒與完善對策
發(fā)布時間:2018-03-22 17:24
本文選題:農(nóng)業(yè)保險 切入點:定價 出處:《改革與戰(zhàn)略》2017年06期 論文類型:期刊論文
【摘要】:近年來,農(nóng)業(yè)保險制度研究發(fā)展迅速、脫胎于商業(yè)保險的農(nóng)業(yè)保險定價存在比較集中的道德風險與逆選擇、國家財政提供更大支持的基礎(chǔ)、在更大范圍推廣農(nóng)業(yè)保險具有更好的條件、農(nóng)業(yè)保險定價可借鑒經(jīng)驗更豐富,這些都為農(nóng)業(yè)保險定價的變更奠定了基礎(chǔ)。通過借鑒美國農(nóng)業(yè)保險定價的經(jīng)驗,確立更加科學的農(nóng)業(yè)保險價格目標、加大對農(nóng)業(yè)保險財政投入降低定價、加大保險產(chǎn)品創(chuàng)新豐富保險定價等,進一步完善我國農(nóng)業(yè)保險定價,提高農(nóng)業(yè)保險的針對性與吸引力,更好地保障農(nóng)業(yè)生產(chǎn)與農(nóng)民收入水平。
[Abstract]:In recent years, the research of agricultural insurance system has developed rapidly. The pricing of agricultural insurance originated from commercial insurance has more concentrated moral hazard and adverse choice. There are better conditions for popularizing agricultural insurance on a larger scale, and more experience for agricultural insurance pricing. All these have laid the foundation for the change of agricultural insurance pricing. To establish a more scientific price target for agricultural insurance, increase the investment in agricultural insurance and reduce the price, increase the innovation of insurance products, enrich insurance pricing, further improve the pricing of agricultural insurance in China, and improve the pertinence and attractiveness of agricultural insurance. Better ensure agricultural production and farmers' income level.
【作者單位】: 重慶電子工程職業(yè)學院;
【基金】:重慶市教育委員會人文社會科學研究項目:教育互聯(lián)網(wǎng)化背景下高職教師價值演變與職業(yè)發(fā)展路徑研究(項目編號:15SKG251)
【分類號】:F842.66
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