《保险研究》20200404-《我国农业保险发展的省际差异性及其形成机制研究》（高凯、丁少群、王信）

［摘   要］农业保险要走向高质量发展,必须解决省际间发展不平衡问题。我国农业保险发展省际差异有其理论依据和政策基础,其中农业生产对自然条件的依赖及各省自然条件、经济结构、社会分工等因素构成了农险省际差异的理论基础,而各省对农险的功能定位、实施政策的不同,也为省际农险经营结果的差异提供了政策动因。本文从农险渗透水平、农险保障水平以及农险赔付率三个维度指标测度了农险发展省际差异的现状,并从经济因素、政策因素、市场供给因素和自然地理因素分析了农险发展省际差异的形成机制,发现我国农险发展省际差异是四类因素共同作用的结果,最后有针对性地给出了促进我国农险省际均衡发展的政策建议。

［关键词］农业保险；省际差异；形成机制；政策建议

［基金项目］国家社会科学基金十九大专项项目(18VSJ095)；四川省社科规划重点研究基地重大项目(SC19EZD023)。

［作者简介］高凯,西南财经大学保险学院博士研究生,研究方向:农业保险与经济保障；丁少群,西南财经大学保险学院教授、金融安全协同创新中心智库专家、博士生导师,研究方向:农业保险与农村社会保障发展；王信(通讯作者),集美大学财经学院副教授,研究方向:农村金融与保险。

A Research on the Inter-provincial Differences and Its Formation Mechanism of Agricultural Insurance Development in China

Gao kai,Ding Shao-qun,Wang Xin

Abstract：To develop agricultural insurance with high quality,we must solve the problem of unbalanced development between provinces. The provincial differences of agricultural insurance development have their theoretical basis and policy foundation. Specifically,the agricultural production’s dependence on natural conditions,economic structure,and social division of job constitutes the theoretical basis of inter-provincial agricultural insurance differences,and the differences of functional orientation and implementation policies in different provinces also provide policy motivation for the inter-provincial differences in operation results of agricultural insurance. Next the paper studied the present situation of the inter-provincial differences based on three dimensions:agricultural insurance penetration,level of protection,and claims ratio. Correspondingly,the formation mechanism of the inter-provincial differences in the development of agricultural insurance was further analyzed from the economic,policy,market supply and natural geographical factors. Finally,the paper offered the corresponding policy suggestions for promoting more balanced development of agricultural insurance in China.

Key words：agricultural insurance;inter-provincial differences;formation mechanism;policy suggestions