我国农业相互保险问题研究

摘    要
农业相互保险可以加强农业防灾减损，解决农业保险经营管理困难、道德风险和逆向选择问题，增加农业保险的有效供求以及降低农业保险高成本，这些优势都决定了相互保险在我国农业保险中应用的必要性。但目前我国农业相互保险存在法律法规不完备、政府扶持政策不到位、费用分摊机制不合理、现实需求不足、供给主体缺位、经营效益差且业务尚未实现多元化、专业人才匮乏等问题。应采用构建农业相互保险制度保障系统、实现农业相互保险组织形式创新、建立合理的农业相互保险利益分配机制、拓展农业相互保险销售渠道、开发农业相互保险产品体系、完善农业相互保险服务体系、加强农业相互保险人才培养等对策加以解决。

关键词：农业保险；相互保险；风险分散

Abstract
Agricultural mutual insurance can enhance agricultural disaster prevention and impairment, to solve the management problems of agricultural insurance, moral hazard and adverse selection problem and increase the effective supply and demand of agricultural insurance, agricultural insurance and to reduce the high cost of these benefits are mutual insurance determine the application of agricultural insurance in China need. But the existence of agricultural mutual insurance laws and regulations are not complete, government support policies do not place an unreasonable cost-sharing mechanisms, the reality of insufficient demand, the absence of main supply, poor operational efficiency and business yet to achieve diversification, lack of professional personnel and other issues. Should be constructed to protect agricultural mutual insurance system, the form of agricultural mutual insurance organization innovation, a reasonable distribution of benefits of agricultural mutual insurance system, expand agricultural mutual insurance sales channels, development of agricultural mutual insurance product system, improving the agricultural mutual insurance services, strengthen Training of agricultural mutual insurance and other measures to solve them.

Keywords：agricultural insurance; mutual insurance; diversification

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】