政策性农业保险补贴比例设定的影响因素分析

政府补贴对于促进农业保险的发展有着至关重要的作用,补贴比例是影响其实施效果的关键。为解决我国农业保险发展中存在的问题,以辽宁省和贵州省的玉米种植保险为例,并进行对比分析,试图探究由于自然条件与经济条件的不同,导致的不同保险费率、保险金额、农户收支水平以及地方财政收入情况,及其对于保费补贴比例确定的影响,并探讨目前保费补贴标准的合理性,为未来保费补贴的实施提供相关建议。

Study on Factors Affecting the Proportion of Subsidies of Agricultural Insurance

Government subsidies have a vital role in promoting the development of agricultural insurance,and the proportion of subsidies is a key to influence its effectiveness.In order to solve the problems in the development of agricultural insurance,taking Liaoning province and Guizhou province as examples,the corn insurance was compared and analyzed,the four affecting factors were explored including the premium rate,insurance amount,farmers＇ income,expenditure level and local government finance income level under different natural and economic conditions,as well as effect on the proportion of subsidies,the rationality of the current premium subsidy standards,and some suggestions for the premium subsidies were offered in the future.