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农业保险如何参与农产品价格形成机制改革,一直广受关注。在近几年的中央“一号文件”也多次提出政策性指导意见。要深入了解这个问题,并能真正将农业保险变为农产品价格形成机制改革的有效工具,笔者认为,需要在把握自然风险和市场风险的异质性以及持守保险经营基本原则的基础上探讨市场风险的可保性,充分认识价格指数保险的可能局限。以收入保险作为农产品价格保险的主体产品形态,审慎参与农产品价格形成机制改革。
Agricultural insurance how to participate in the reform of agricultural product price formation mechanism has been widespread concern. In recent years, the Central Government has also made many policy guidance on many occasions. To understand this problem in depth and truly change agricultural insurance into an effective tool for the reform of agricultural product price formation mechanism, the author believes that the market needs to be explored on the basis of grasping the heterogeneity of natural and market risks and holding the basic principles of insurance management Risk of insurability, fully aware of the possible limitations of price index insurance. Take income insurance as the main product form of insurance of agricultural products, and prudently participate in the reform of agricultural product price formation mechanism.