论以政府干预为主导的农业保险模式及我国农业保险法律建构——兼评我国2013年3月1日施行的《农业保险条例》

发布时间：2018-06-10 17:16

本文选题：政府干预 + 农业保险　；参考：《东南学术》2013年05期

【摘要】：作为一种社会化的制度安排,保险一般具有平等性、自愿性、营利性等特点。然而,在农业保险域中,被保险人给付能力较低、保险费率不高、自然灾害及意外事故高发、赔付负担重等特点使得农业保险不能是一种纯粹的商业保险,这就为政府干预农业保险提供了法学依据,以政府干预为主导的模式注定成为农业保险的主要模式。我国是个农业大国,农业保险制度从头走来,现已走上法制化轨道。2013年3月1日,《农业保险条例》施行,这是我国由传统农业向现代农业转型过程中的重要里程碑。该《条例》对于转移和分散农业风险,提高农业抗风险能力,具有重要意义。但是,《农业保险条例》在部门职权界定、保险主体的市场准入与市场退出及农业保险转移机制等诸方面仍存偏失,必须加以完善。
[Abstract]:As a socialized institutional arrangement, insurance is generally equal, voluntary and profitable. However, in the agricultural insurance domain, the insurant's ability to pay is low, the insurance rate is not high, the natural disasters and accidents are high, the burden of compensation is heavy, and so on, so the agricultural insurance can not be a pure commercial insurance. This provides a legal basis for government intervention in agricultural insurance, and the model dominated by government intervention is destined to become the main mode of agricultural insurance. Our country is a big agricultural country, the agricultural insurance system comes from the beginning, and has been on the track of legalization. On March 1, 2013, the Agricultural Insurance regulations came into effect, which is an important milestone in the transition from traditional agriculture to modern agriculture. This regulation is of great significance for transferring and dispersing agricultural risks and improving agricultural anti-risk ability. However, the agricultural insurance regulations still have some shortcomings in defining the authority of the department, the market access and withdrawal of the main body of insurance, and the transfer mechanism of agricultural insurance, and so on, which must be perfected.
【作者单位】：吉林大学公共卫生学院;
【分类号】：F842.6;D922.284;D922.4

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