市场失灵、保费补贴与农业保险发展

摘要

Studies show that the main reasons for the agricultural insurance market failure are systematic catastrophic risk,ambiguous product attributes,external adverse incentives,adverse selection,moral hazard and additional monopoly rent-seeking.As a feasible measure to correct the market failure,financial subsidies can stimulate the development of agricultural insurance.However,some problems such as adverse incentive,financial burden,welfare boundary and actuarial cost rate need to be addressed.%研究显示,系统性的巨灾风险、模糊的产品属性、外部性的逆向激励、逆向选择与道德风险以及额外的垄断寻租是造成我国农业保险市场失灵的主要原因。财政补贴作为纠正市场失灵的一项可行性方案,在刺激和激励农业保险发展的同时,也存在一些诸如逆向激励、财政负担、福利边界及精算费率等问题需要解决。