浙江省政策性农业保险机制创新回顾与改革对策研究

政策性农业保险是为克服农业保险市场失灵而产生的一项制度创新,是保障农业生产经营正常运转的重要手段。浙江省政策性农业保险工作走在全国前列,创造了“共保体模式”等众多的制度供给成果,积累了政府主推、市场运作、农户自愿的“三大主体协作”,保成本、保大灾、保大户的“三大保障方向”,中央补贴、省级补贴、县级补贴“三级保费补贴”等丰富的实践运行经验。本文系统总结了浙江政策性农业保险的制度框架、险种开办、保障程度、保费补贴、风险控制、机构考评等运行机制、体制创新和取得的成效。针对全面推进乡村振兴等新时代背景,为进一步完善创新这一制度,提出推动新时代政策性农业保险高质量发展,建立共同富裕的保险政策支撑机制,完善种业、粮食和生猪的政策保险制度,深化政策性农业保险领域的数字化改革等相关改革对策。

Review on mechanism innovation and countermeasures of policy-oriented agricultural insurance in Zhejiang Province,China

Policy-oriented agricultural insurance is an institutional innovation to overcome the failure of agricultural insurance market. It is an important means to ensure the normal operation of agricultural production and operation. Zhejiang Province’s policy-oriented agricultural insurance work is at the forefront of China, and has created a large number of institutional supply achievements such as the “co-insurance model”, and has accumulated rich practical operation experiences, such as the “three main body cooperation” mainly promoted by the government, market operation and farmers’ voluntary, the “three guarantee directions” of ensuring costs, disasters and large households, and the “three-level premium subsidies” of central subsidies, provincial subsidies and county-levl subsidies. In the present study, we systematically summarize the institutional framework, insurance types, guarantee degree, premium subsidy, risk control, institutional evaluation and other operating mechanisms, institutional innovation and achievements of policy-oriented agricultural insurance in Zhejiang Province. In view of the background of comprehensively promoting rural revitalization in the new era, relevant reform countermeasures are put forward, such as promoting the high-quality development of policy agricultural insurance in the new era, establishing an insurance policy support mechanism for common prosperity, improving the policy insurance system of seed industry, grain and hogs, and deepening the digital reform in the field of policy-oriented agricultural insurance to further improve and innovate this system,.