摘要
我国加入WTO后,弱质农业面临市场和自然双重风险的威胁,迫切需要保险为农业发展保驾护航。但是,我国商业化经营的农业保险却陷入了"供给不足,需求有限"的市场失灵境地。本文指出,系统性风险、信息不对称和供求的双重正外部性是农业保险市场失灵的一般原因,但在我国导致农业保险市场失灵的根本原因则是制度供给不足。因而提出了增加制度供给,构建合理农业保险体系,以纠正市场失灵的政策主张。
After China's acceding to WTO, the agriculture needs insurance urgently because of market risk and nature risk. But the commercial agriculture insurance in China plunges into the condition of market failure. Systemic risk, Asymmetric Information and dual externalities are universal causes of the market failure of agriculture insurance, and in China the insufficiency of the institution is the main cause. Therefore we must increase the supply of the institution and design the framework of agriculture insurance properly to correct the market failure.
出处
《金融研究》
CSSCI
北大核心
2004年第4期124-129,共6页
Journal of Financial Research
关键词
农业保险
市场失灵
制度供给
agriculture insurance, market failure, institutional supply
