摘要
发展“三农”保险是保险业构建和谐社会的重要突破口。由于“三农”保险具有“准公共产品”特性，因此，必须采取政策性和商业性相结合的发展模式。由于我国县域经济的差异性和不平衡性，发展“三农”保险必须根据各地的具体情况，实行分类指导。发展“三农”保险的关键在于引导有效需求，增加资源供给；重点在于打造管理型业务，形成专业化经营。为推进“三农”保险快速健康发展，监管部门和保险公司还应制定一套科学的总体规划和发展战略。
Developing insurance related to agriculture and the rural population can be an important tool and breakthrough to help set up a harmonious society. Since insurance related to agriculture and the rural population has some of the characteristics of quasi-public goods, we should adopt the strategy of combining policy insurance with commercial insurance. Because of the imbalance and difference of rural economy in our country,we should adjust measures to local situations and guide the development of insurance respectively. The key of exploring the rural insurance market is to direct effective demand and increase resources supply. And the pivot is to cultivate a manased business and form a specialized operation. To accelerate the healthy development of insurance related to agriculture and the rural population, the regulator and insurance companies should formulate a whole set of scientific plan and development strategy.
出处
《保险研究》
CSSCI
北大核心
2005年第11期9-12,共4页
Insurance Studies
关键词
“三农”保险
准公共产品
管理型业务
专业化经营
insurance related to agriculture and the rural population
quasi-public goods
managed business
specialized operation
