摘要
自90年代初以来,作为对农业的一个重要屏障和支持农业发展的制度安排,我国农业保险的发展处于停滞不前、日益萎缩的尴尬局面。本文着眼从对我国农业保险发展困境的经济成因的分析出发,提出了导致目前农业保险发展困境的根本成因———农业保险自身的外部性、准公共物品的特性,正是由于农业保险的外部性导致目前农业保险“有效需求不足,有效供给有限”,发展面临日益萎缩的尴尬局面。对我国农业保险的发展走出困境,恢复活力的发展思路,作者提出一点拙见,以供探讨。
Agricultural insurance, as an important regulation arrangement in promoting agriculture development, has been in a difficult situation since 1990s in China. In this article, in view of the analysis of economical reasons of this situation, the authors think the basic reasons about the difficulty of agricultural insurance are rooted in externalities and semi-public goods characters of agricultural insurance. Furthermore, the externalities leads to shortage of effective need and supply. Finally, suggestions about promoting development of agricultural insurance and renewing its livingness are put forward.
出处
《金融研究》
CSSCI
北大核心
2005年第3期133-144,共12页
Journal of Financial Research
关键词
农业保险
外部性
准公共物品
制度创新
agricultural insurance, externalities, semi-public goods, Institutional innovation
