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政策性农业保险实施后,政府的财政投入力度不断加大,但政策性农业保险发展的制度基础依然不够稳固,部分农户对农业保险的潜在需求难以持续转化为有效需求。本文从制度的嵌入性视角出发,分析了政策性农业保险长远发展存在的隐忧。研究发现,地方政府缺乏推动政策性农业保险发展的长效激励机制,而农户对农业保险的有效需求不足则与制度嵌入的经济、社会环境有关。论文提出了重塑制度环境促进政策性农业保险可持续发展的具体政策建议。
After the implementation of policy-oriented agricultural insurance, the financial input of the government is steadily increasing. However, the institutional foundation for the development of policy-oriented agricultural insurance is still not stable enough. Some of the potential demand for agricultural insurance can not be continuously transformed into effective demand by some farmers. This article analyzes the hidden worries in the long-term development of policy-oriented agricultural insurance from the perspective of institutional embeddedness. The study found that local governments lacks a long-term incentive mechanism to promote the development of policy-oriented agricultural insurance, while the insufficient demand of farmers for agricultural insurance is related to the economic and social environment in which the system is embedded. The dissertation proposes specific policy suggestions to reshape the institutional environment and promote the sustainable development of policy agriculture insurance.