【摘要】 在我国现行政策性农业保险“市场运作”制度模式下，由于中央和地方政府之间决策和执行视角存在差异，保险公司的逐利目标与政府的公共目标存在差异甚至冲突等问题，农业保险的政策效果受到影响。为推进农业保险的健康可持续发展，本文在对美国和加拿大政策性农业保险制度模式的共性进行总结、对我国现行政策性农业保险制度模式的目标冲突和弊端进行分析的基础上，提出改革我国政策性农业保险制度模式的构想。本文建议，遵循政策性农业保险的发展规律，借鉴美国和加拿大政策性农业保险制度模式的成功经验，明确政策性农业保险的管理机构和监督机构，委托商业性保险公司经营政策性农业保险业务，构建“单独立法，单独经营，单独管理，单独监督”的政策性农业保险制度模式。更多还原

【Abstract】 Under the current policy-based agricultural insurance “market operation” system model in China, the policy effectiveness of agricultural insurance is affected because the differences in decision-making and implementation perspectives between the central and local governments give rise to conflicts between the profit-seeking goals of insurance companies and the public goals of the government. To promote the healthy and sustainable development of agricultural insurance, this paper, based on summarizing the commonalities of the policy-based agricultural insurance system models in the United States and Canada and analyzing the goal conflicts and drawbacks of China’s current policy-based agricultural insurance system model, proposes a conceptual framework for reforming China’s policy-based agricultural insurance system model. The paper suggests that, following the development patterns of policy-based agricultural insurance, learning from the successful experiences of the United States and Canada, defining the management and supervisory bodies for policy-based agricultural insurance, entrusting commercial insurance companies to operate policy-based agricultural insurance business, and a system model of “independent legislation, independent operation, independent management, independent supervision” for policy-based agricultural insurance should be established.更多还原