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本文在实地调研四川省若干地区农民对农业保险的参保意愿、保险公司和地方政府对农业保险的态度等情况的基础上,尝试从农民、政府等经济主体的认知、行为选择和利益互动的角度出发,探究我国(省)农业保险变迁和演化的动因,探析我国农业保险制度曲折变迁历程和未来农业保险制度演化的路径、变迁方向及轨迹,以及背后的微观动因和根本性制约因素。
Based on the field investigation on the willingness of farmers to insure agricultural insurance in some areas in Sichuan Province and the attitude of insurance companies and local governments to agricultural insurance, this paper tries to find out from the cognitive, behavioral and interest interactions among peasants, governments and other economic agents This paper explores the motivation of agricultural insurance change and its evolution in China, and explores the tortuous course of the development of China’s agricultural insurance system and the path, direction and trajectory of future agricultural insurance system evolution as well as the micro-motivation and fundamental constraints behind it.