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首先是基础农业,即人类生存所必需的基本粮食作物,这一层次的基础农业具有如下特点:受自然力影响较大,产值较低,进口替代品竞争力强,受灾后对农民影响巨大。针对这种特征,这一层次的保险具有公共物品的性质,从投入产出分析,经营是亏损的。因此保险策略应是政府介入的政策性保险。由政府财政补贴为主,农民缴纳少量保费为辅,成立灾害补偿基金。可采用强
The first is basic agriculture, which is the basic food crop necessary for human survival. The basic agriculture at this level has the following characteristics: greater impact by natural forces, lower output value and strong competitiveness of imported substitutes, and great impact on peasants after the disaster. In response to this feature, this level of insurance has the nature of public goods, from input-output analysis, business is a loss. Therefore, the insurance policy should be government-involved policy insurance. The main government subsidies, peasants pay a small premium supplemented by the establishment of disaster compensation fund. Can be strong