《保险研究》20230904-《多主体如何协同推进农业保险高质量发展？——基于市场运作视角的案例研究》（谭莉、丁少群）

［摘   要］经过十多年的快速发展，我国农业保险保费收入已和作为农业保险强国的美国不相上下。然而，我国的农业保险深度和密度仍然偏低，农险产品结构与农业产业结构不甚匹配，地区间农险发展不平衡、结构性矛盾依然存在。除补贴政策有待优化之外，地方对农业保险市场运作的理解和执行差异已然成为影响我国农业保险发展的另一重要原因，将视野转向农业保险协同运作问题可能发现一些行之有效的改革思路。本文结合系统协同理论，梳理了农业保险不同运营阶段的政府、农户、保险机构间的主体协同走向，并以四川省L市为例探讨了农业保险发展受限的主体协同方面的原因。研究发现，地方政府在承保机构遴选中对市场竞争的认知和遴选机制安排决定了农业保险经营基础，基层行政激励是农业保险能否充分覆盖的重要影响因素，农业管理部门的保险认知和支持力度则会影响农险承保、理赔质量。据此，为更快推进农业保险高质量发展，建议从农户需求出发，统筹考虑农业保险业务性质和主体动机，搭建农业保险政企协同平台，切实提升粮食作物保障水平，联通农业下游企业构建特色品种参保激励机制等。

［关键词］农业保险；高质量发展；主体协同；案例研究

［基金项目］研究阐释党的二十大精神国家社科基金重大项目(23ZDA099)；中央高校基本科研业务费研究项目(JBK2207014)。

［作者简介］谭莉，西南财经大学公共管理学院博士研究生，主要研究方向：风险管理与保险政策；丁少群，西南财经大学中国农业与农村保险研究中心主任、教授、博导，主要研究方向：农业保险理论与政策。

How can Multiple Entities Collaborate to Promote the High-quality Development of Agricultural Insurance?—A Case Study Based on the Perspective of Market Operation

TAN Li,DING Shao-qun

Abstract：After more than ten years of rapid development,China′s agricultural insurance is almost on par with the United States in terms of premiums.However,the penetration and density of agricultural insurance in China are still relatively low,and the serious imbalance in the development of agricultural insurance among regions,and structural contradictions are still prominent.Moreover,the structure of agricultural insurance products does not quite match the structure of agricultural industry.Apart from the optimization of the subsidization policy,local governments′ understanding of the operation of the agricultural insurance market and differences in execution have become another important reason affecting the development of agricultural insurance in China.If we turn our vision towards synergistic operation of agricultural insurance,we may find some effective thinking on reform.This paper combines the theory of system synergy to sort out the direction of synergy at different operational stages of agricultural insurance for entities such as local governments,farmers and insurance institutions,and takes L city in Sichuan province as an example to explore the reasons for the limited development of agricultural insurance from the perspective of synergistic operation.It is found that the local government′s perception of market competition in the selection of underwriters and the arrangement of the selection mechanism determine the basis of agricultural insurance operation,the grass-roots administrative incentives are an important influencing factor on the adequate coverage of agricultural insurance,and the agricultural management organ′s perception of insurance and support will affect the quality of agricultural insurance underwriting and claims handling.Accordingly,in order to accelerate the high-quality development of agricultural insurance,it is recommended that other than the actual needs of farmers,the nature of the agricultural insurance business and the motivation of the related entities should be considered in an integrated manner,and a platform for collaboration between the government and enterprises in agricultural insurance should be set up in order to heighten the level of protection for food crops.Furthermore,downstream enterprises in agriculture should be connected to build an incentive mechanism for participation in the insurance of special varieties.

Key words：agricultural insurance;high quality development;multi-party synergy;case study