【摘要】：農(nóng)業(yè)保險(xiǎn)市場(chǎng)經(jīng)營(yíng)主體日益增多,這表明越來越多的保險(xiǎn)公司看好農(nóng)業(yè)保險(xiǎn)的發(fā)展前景,愿意為農(nóng)業(yè)現(xiàn)代化發(fā)展和國(guó)家糧食安全做貢獻(xiàn)。但有些省市農(nóng)業(yè)保險(xiǎn)的經(jīng)營(yíng)主體太多,市場(chǎng)秩序不好,也日益成為一個(gè)問題。有必要就農(nóng)業(yè)保險(xiǎn)市場(chǎng)要不要對(duì)競(jìng)爭(zhēng)適當(dāng)加以限制的問題進(jìn)行論證和研究,以便采取有效措施加以治理。作者認(rèn)為,我國(guó)農(nóng)業(yè)保險(xiǎn)市場(chǎng)是一個(gè)不完全市場(chǎng),只能進(jìn)行有限競(jìng)爭(zhēng),原因主要在于,農(nóng)業(yè)保險(xiǎn)市場(chǎng)有不同于一般財(cái)產(chǎn)和人身保險(xiǎn)市場(chǎng)的特點(diǎn),其價(jià)格形成也有不同于其他商業(yè)保險(xiǎn)價(jià)格形成的特點(diǎn),而實(shí)踐表明,過分地競(jìng)爭(zhēng)甚至惡性競(jìng)爭(zhēng),既損害國(guó)家利益也損害投保農(nóng)戶的利益。實(shí)際上,很多國(guó)家的農(nóng)業(yè)保險(xiǎn)市場(chǎng)也都是采取了適當(dāng)限制競(jìng)爭(zhēng)的制度安排或者采取了相應(yīng)的措施。在論證的基礎(chǔ)上,作者提出了一些限制過度市場(chǎng)競(jìng)爭(zhēng)的途徑和舉措。
[Abstract]:The increasing number of main bodies in the agricultural insurance market indicates that more and more insurance companies are optimistic about the development prospects of agricultural insurance and are willing to contribute to the development of agricultural modernization and national food security. But some provinces and cities agricultural insurance management main body too many, the market order is not good, also becomes a question day by day. It is necessary to demonstrate and study whether the agricultural insurance market should restrict the competition properly in order to take effective measures to control it. The author thinks that the agricultural insurance market in our country is an incomplete market, which can only carry out limited competition. The main reason is that the agricultural insurance market is different from the general property and life insurance market. The formation of its price is different from that of other commercial insurance prices, but practice shows that excessive competition and even vicious competition not only harm the national interests but also the interests of insured farmers. In fact, the agricultural insurance market in many countries has also taken appropriate institutional arrangements to restrict competition or taken corresponding measures. On the basis of argumentation, the author puts forward some ways and measures to limit excessive market competition.
【作者單位】： 首都經(jīng)濟(jì)貿(mào)易大學(xué);
【分類號(hào)】：F842.66

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