【摘要】 为农业经济发展和农村稳定提供保障的农业保险只能实行政策性经营,主要原因有:与其他行业相比,农业风险具有其自身的特殊性;该保险市场也普遍存在逆向选择和道德风险;由于农业保险市场供需不足而导致农业保险商品难以商品化。因此,结合国外农业保险发展经验、WTO等国际协议的相关规定和中国的实际国情,我国应采用以政策性农业保险公司为主体的多元化组织模式,并开展多样化的农业保险模式。更多还原

【Abstract】 The agriculture insurance(AI) safeguarding the development of agricultural economy and the rural stability should only be run in a policy-based way for the following reasons: firstly,compared with other industries,agriculture has its own special risks;secondly,the AI market has adverse selection and moral risk;thirdly,due to the lack of both supply and demand in the AI market,AI products can be hardly commercialized.Therefore,according to the lessons at home and abroad,WTO and relevant regulations in other international treaties and China’s specific conditions,we should adopt the multi-type organization pattern with the policy-based AI companies as the main body.更多还原