政策性农业保险补贴最优模式探析——基于“千村调查”的研究

发布时间：2018-05-18 20:32

本文选题：农村保险市场 + 政策性农业保险　；参考：《财经研究》2017年11期

【摘要】：保费补贴政策是政策性农业保险制度的重要部分,不合理的补贴制度无法真正实现"低保费、广覆盖,低保障、保成本"的普惠目标。文章构建了农业保险收入消费模型,分析结果显示,在带门槛的固定补贴费率模式下,政策性农业保险保费支出随家庭收入的增加而先升后降;当商业保险的实际费率水平低于政策性农业保险时,政策性农业保险的消费总量明显下降,商业保险消费总量随家庭收入的增加而单调递增。基于2015年上海财经大学"千村调查"数据的分析证实,家庭收入与政策性农业保险存在倒U形关系,而与商业保险存在正相关关系。文章进一步提出超率累退保费补贴模式,并利用实际数据进行了设计。超率累退保费补贴模式能够有效提高政策性农业保险的覆盖率和整体保障水平。文章的研究对于完善政策性农业保险制度、实现金融普惠目标具有重要的意义。
[Abstract]:Premium subsidy policy is an important part of policy-oriented agricultural insurance system. The unreasonable subsidy system can not really achieve the goal of "low insurance fee, wide coverage, low security and insurance cost". The paper constructs a consumption model of agricultural insurance income. The results show that the premium expenditure of policy agricultural insurance increases first and then decreases with the increase of household income under the fixed subsidy rate model with threshold. When the actual rate level of commercial insurance is lower than that of policy agricultural insurance, the total consumption of policy agricultural insurance decreases obviously, and the total consumption of commercial insurance increases monotonously with the increase of household income. Based on the data of "Qiancun Survey" of Shanghai University of Finance and Economics in 2015, it is confirmed that there is an inverted U-shape relationship between household income and policy-oriented agricultural insurance, but a positive correlation between household income and commercial insurance. This paper further puts forward the premium subsidy model of excess rate regressive premium, and designs it with actual data. The premium subsidy model can effectively improve the coverage and the overall level of the policy agricultural insurance. The research of this paper is of great significance to improve the policy-oriented agricultural insurance system and achieve the goal of financial inclusion.
【作者单位】：上海财经大学金融学院;
【基金】：上海财经大学重点项目“千村调查”的资助
【分类号】：F842.66

【相似文献】