论农业保险市场的有限竞争

发布时间：2018-11-26 07:04

【摘要】：农业保险市场经营主体日益增多,这表明越来越多的保险公司看好农业保险的发展前景,愿意为农业现代化发展和国家粮食安全做贡献。但有些省市农业保险的经营主体太多,市场秩序不好,也日益成为一个问题。有必要就农业保险市场要不要对竞争适当加以限制的问题进行论证和研究,以便采取有效措施加以治理。作者认为,我国农业保险市场是一个不完全市场,只能进行有限竞争,原因主要在于,农业保险市场有不同于一般财产和人身保险市场的特点,其价格形成也有不同于其他商业保险价格形成的特点,而实践表明,过分地竞争甚至恶性竞争,既损害国家利益也损害投保农户的利益。实际上,很多国家的农业保险市场也都是采取了适当限制竞争的制度安排或者采取了相应的措施。在论证的基础上,作者提出了一些限制过度市场竞争的途径和举措。
[Abstract]:The increasing number of main bodies in the agricultural insurance market indicates that more and more insurance companies are optimistic about the development prospects of agricultural insurance and are willing to contribute to the development of agricultural modernization and national food security. But some provinces and cities agricultural insurance management main body too many, the market order is not good, also becomes a question day by day. It is necessary to demonstrate and study whether the agricultural insurance market should restrict the competition properly in order to take effective measures to control it. The author thinks that the agricultural insurance market in our country is an incomplete market, which can only carry out limited competition. The main reason is that the agricultural insurance market is different from the general property and life insurance market. The formation of its price is different from that of other commercial insurance prices, but practice shows that excessive competition and even vicious competition not only harm the national interests but also the interests of insured farmers. In fact, the agricultural insurance market in many countries has also taken appropriate institutional arrangements to restrict competition or taken corresponding measures. On the basis of argumentation, the author puts forward some ways and measures to limit excessive market competition.
【作者单位】：首都经济贸易大学;
【分类号】：F842.66

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