《保险研究》20190101-《我国农业保险政策及其可能走向分析》(庹国柱)

［摘   要］农业保险有商业性和政策性之分,只有商业性农业保险没有政策性农业保险的国家,没有专门的农业保险政策,有政府参与的政策性农业保险才有特殊的适用于这类保险的政策。我国由政府参与的农业保险也和其他类似国家一样,有我们自己的一套农业保险政策。这些政策包括商业性农业保险与政策性农业保险区别对待的政策、对农业保险实行统一管理的政策、财政政策、税收政策、监管政策、市场组织政策、市场化运作政策、多部门“协同推进”政策,农业保险经营的大灾风险管理政策等。这些政策将会随着农村振兴计划、农业现代化发展、农村金融制度改革以及扶贫攻坚等重要战略的推进,不断变化、调整、丰富和完善。

［关键词］农业保险;政策;可能走向

［作者简介］庹国柱,首都经济贸易大学教授,现任首都经济贸易大学农村保险研究所所长。

China’s Agricultural Insurance Policy and Possible Trend of Evolution

TUO Guo-zhu

Abstract：Agricultural insurance is commercial or policy-sponsored in nature.For countries where there is only commercial agricultural insurance,there is no specialized agricultural insurance policy.The so-called agricultural insurance policy only applies to policy-sponsored agricultural insurance in which government also plays a role.Similar with other countries,agricultural insurance with government involvement in China is conducted in accordance with a set of agricultural insurance policies.Such policies include differentiated provisions for commercial agricultural insurance and policy-sponsored agricultural insurance,uniform administration rules for agricultural insurance,fiscal policy,taxation policy,regulatory rules,market organization policy,market-oriented operation policy,cross-department “coordination” policy,and major risk management policy,etc.Along with the progress of the rural rejuvenation plan,agricultural modernization,rural financial policy reform and poverty relief initiatives,these policies and rules will also witness changes,been adjusted,enriched and perfected.

Key words：agricultural insurance;policy;possible trend