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2007年,我国开始实行农业保险保费补贴政策,目的是缓解农业保险的供需矛盾,促进我国农业保险快速发展。然而,与美国的农业保险相比,我国农业保险存在明显的“高补贴低覆盖”问题。为此,本文结合顾客让渡价值理论、生产者行为理论等内容,基于农民、保险公司、地方政府三个主体,对比分析中美农业保险财政支持制度在激发各主体动力方面的差异,并针对如何缩小覆盖率差距提出相关政策建议。
In 2007, China started to implement the agricultural insurance premium subsidy policy, the purpose is to ease the contradiction between supply and demand of agricultural insurance and promote the rapid development of agricultural insurance in our country. However, compared with the American agricultural insurance, there is a clear problem of “high subsidy and low coverage” in China’s agricultural insurance. Therefore, this dissertation analyzes the differences between the motivations of the financial support system of agricultural insurance between China and the United States in stimulating the motivation of the main bodies based on the contents of the theory of customer devaluation, the theory of producer behavior and so on based on the three main bodies of peasants, insurance companies and local governments. How to reduce the gap between the coverage of the relevant policy recommendations.