现有的补贴制度对保险共保体激励不足,对地方政府的行为会产生逆向激励,可能导致地方政府的隐性逆选择行为。中国的农业保险试点从1935年至今已有70多年。但是直到2004年,农业保险的性质才明确为“政策性”保险。农业保险作为政策性保险,一方面体现国家的有关政策,另一方面说明政府对农业保险的开展提供财政支持。2004年至今,全国各地纷 The existing subsidy system has insufficient incentive to insurance co-insured entities and adversely stimulates the behavior of local governments, which may lead to the implicit reverse selection behavior of local governments. China’s agricultural insurance pilot has been more than 70 years from 1935 to today. However, until 2004, the nature of agricultural insurance was clearly defined as “policy” insurance. As a policy insurance, agricultural insurance reflects the state’s relevant policies on the one hand, and shows that the government provides financial support for the development of agricultural insurance on the other hand. Since 2004, all over the country Fun