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《财经界》:我国农业保险的特点是什么? 孙振军:农产品和农业风险的特殊性,决定了农业保险产品具有公共物品的大部分特征,成为“准公共物品”。这种特殊性,决定了农业保险整体上不具盈利性,农业保险产品难以商品化经营,农业保险对商业保险公司没有吸引力。《财经界》:在粮食主产区开展农业保险的必要性是什么?
“Finance and economics”: What are the characteristics of China’s agricultural insurance? Sun Zhenjun: The particularity of agricultural products and agricultural risks has determined that most agricultural products have the characteristics of public goods and become “quasi-public goods.” This particularity determines that agricultural insurance as a whole is not profitable, agricultural insurance products are difficult to commercialize, and agricultural insurance is not attractive to commercial insurance companies. “Financial sector”: What is the need for agricultural insurance in the major grain producing areas?