论文部分内容阅读
本文从保费补贴和交易成本两个方面剖析了政策性农业保险运作效率的影响因素,认为诸多因素的共同作用决定了保费补贴的激励效果,也决定了实现既定参与率所需的财政补贴规模。同时,各种类型的交易成本通过直接或间接的方式影响着政策性农业保险的运作效率。因此,本文提出不同国家应根据本国国情确定合适的保费补贴政策。通过机制设计降低交易成本成为提高政策性农业保险运作效率的关键。
This paper analyzes the influential factors of operational efficiency of policy-based agricultural insurance from two aspects: premium subsidy and transaction cost. It is believed that the combination of many factors determines the incentive effect of premium subsidy and also determines the scale of financial subsidy required to achieve the established participation rate. At the same time, various types of transaction costs affect the operational efficiency of policy-based agricultural insurance directly or indirectly. Therefore, this paper proposes that different countries should determine the appropriate premium subsidy policy according to their national conditions. Reducing transaction costs through mechanism design is the key to improve the efficiency of policy agriculture insurance.