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本文从交易成本视角分析我国当前农业保险制度,结果表明农业保险的交易成本高是导致农业保险发展滞后的重要原因。江苏自2007年在全省范围试点“联办共保”农业保险模式,其在降低农业保险交易成本方面的做法值得借鉴。国际上“信贷+保险”的银保互动机制、相互制保险以及指数保险等创新性的农业保险模式在降低交易成本中的做法也给未来农业保险的发展带来很多启示。
This paper analyzes China’s current agricultural insurance system from the perspective of transaction costs. The results show that the high transaction cost of agricultural insurance is the main reason that leads to the lag of agricultural insurance development. Since 2007, Jiangsu Province has piloted a joint-funded insurance system in the province, which is worth learning from in reducing the transaction costs of agricultural insurance. The practice of reducing the transaction costs by innovating the agricultural insurance model such as bank-insurance interaction mechanism, mutual insurance and index insurance in the international “credit + insurance” also brings much inspiration to the development of agricultural insurance in the future.