效用决策、财政补贴及我国农业保险的最优保险模型研究

摘要

Applying expected utility decision-making model,the optimal insurance issue of Chinese Agricultural Insurance is studied.The function of equilibrium deductible rate which realized the fairness between the counterparts of agricultural insurance is established,as well as a modified function of equilibrium deductible rate under the condition of financial premium subsidy from governments.The research indicates that improving the risk identification ability of insured and insurers,setting up a uniquely national agricultural insurance company,and magnifying the financial subsidy of government are helpful to increase the farmers' willingness of participating agricultural insurance,therefore making Chinese agricultural insurance markets developed faster.%应用期望效用决策模型对我国农业保险的最优保险问题进行了研究,建立了实现农业保险博弈双方公平的均衡免赔率函数,以及政府通过财政进行保费补贴条件下的修正均衡免赔率函数.研究表明,提高农户和保险公司的风险识别能力、建立全国统一的政策性农业保险公司以及加大财政补贴的投入力度有助于提高农户的投保意愿,对促进我国农业保险的快速发展具有积极意义.