农业保险的政府行为与制度创新——一个文献综述
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摘要
本文基于创新发展理念,将政府通过制度创新推动农业保险深入持久发展作为逻辑主线,以保险经济学、福利经济学和制度迁移理论等作为理论基础,对实现农业保险可持续发展的前提条件、农业保险发展的现实困境、高新技术挑战、农业保险扶贫的战略要求、制度创新的重要举措等国内外文献进行梳理与归纳。最后,结合时代背景,对农业保险的深入创新发展提出研究展望。
At present,China's agricultural insurance development theory research has made great achievements,but promoting the sustainable development of agricultural insurance system innovation behavior of the government seems to be relatively scarce.Based on the concept of innovation and development,the government promotes the sustainable development of agricultural insurance through the system innovation behavior as a clue,taking insurance economics,welfare economics and system transfer theory as the theoretical basis,the prerequisite of the sustainable development of agricultural insurance,the realistic predicament of the development of agricultural insurance,the challenge of high technology,the domestic and foreign literatures,such as the strategic requirement of the poverty alleviation by agricultural insurance and the important measures of system innovation are sorted and summarized.Finally,combining with the background of the era,this paper prospects the further innovation and development of agricultural insurance.
At present,China's agricultural insurance development theory research has made great achievements,but promoting the sustainable development of agricultural insurance system innovation behavior of the government seems to be relatively scarce.Based on the concept of innovation and development,the government promotes the sustainable development of agricultural insurance through the system innovation behavior as a clue,taking insurance economics,welfare economics and system transfer theory as the theoretical basis,the prerequisite of the sustainable development of agricultural insurance,the realistic predicament of the development of agricultural insurance,the challenge of high technology,the domestic and foreign literatures,such as the strategic requirement of the poverty alleviation by agricultural insurance and the important measures of system innovation are sorted and summarized.Finally,combining with the background of the era,this paper prospects the further innovation and development of agricultural insurance.
引文
[1]Kramer.Federal Crop Insurance[J].Agricultural History,1983(97):181-200.
[2]Lewis,Nickson.“Self-insurance against natural disasters”[J].journal of Environmental Economics and Management,1989(16):20-223.
[3]高彦彬.农业保险市场失灵的经济学分析[J].东北大学学报(社会科学版),2006(6):422-425.
[4]Skees.Poutunities for improved efficiency in risk sharing using capital markets[J].American Journal of Agricultural Economics,1999,81(5):1228-1233.
[5]Glauber,Collins.Crop insurance.Disaster role of the federal government in providing catastrophichic[J].Agricultural Finance Review,2002,69(2):81-102.
[6]李建英,许世瑛.农业保险政府补贴的国际比较及启示[J].农村金融研究,2011(2):74-77.
[7]Nelson,Carl and E.T.Loehman.“Further Toward a Theory of Agricultural Insurance,”[J].American Journal of Agricultural Economics,1987(69):523-531.
[8]黄颖.我国农业保险助力农业现代化作用机制探究[J].产业与科技论坛,2015(15):6-7.
[9]Raju.A study on the performance of national agricultural insurance scheme and suggestions to make it more effective[J].Agricultural Economics Research Review,2008,21(1):11-19.
[10]黄英君.中国农业保险制度的变迁与创新[J].保险研究,2009(2):52-58.
[11]Goodwin.An empirical analysis of the demand for multiple-peril crop insurance[J].American Journal of Agricultural Economics,1993(75):434-435.
[12]Ahsan.Toward a theory of agricultural insurance[J].American Journal of Agricultural Economics,1982(64):520-529.
[13]金丽红.我国农业保险严重滞后的制约因素及制度创新[J].武汉金融,2005(6):51-53.
[14]Innes R..Crop Insurance in a Political Economy[J].American Journal of Agricultural Economics,2003(2):318-335.
[15]Goodwin B.K.Problems with Market Insurance in Agriculture[J].American Journal of Agricultural Economics,2001(03):643-649.
[16]郑军,王仲秋.农业保险补贴的精准扶贫效应:一个文献综述[J].长春理工大学学报(社会科学版),2017(6):103-107.
[17]朱俊生.国外不同农业保险模式下巨灾风险分散制度及其比较[J].世界农业,2013(10):6-10.
[18]庹国柱,朱俊生.完善我国农业保险制度需要解决的几个重要问题[J].保险研究,2014(2):44-53.
[19]William.The politics and economics of disaster relief.[J].Public Choice,2006,12(7):31-53.
[20]庹国柱.试论农业保险的制度模式和经营模式及其创新[J].保险职业学院学报,2017(3):43-51.
[21]Crossi,Kunreuther.Catastrophe Molding:A new approach to management risk[M].springer science business media inc,2009.
[22]Wenner M,Arias D.Agricultural Insurance in Latin American:where are we?[J].Paving the way forward for rural finance,2003,69(3):523-531.
[23]郑军,王启敏.农业保险与精准扶贫:发展困境与改革创新[J].沈阳大学学报(社会科学版),2017(5):560-565.
[24]赵立彬.农业保险助力精准扶贫的几点构想[J].劳动保障世界,2017(9):34.
[25]庹国柱,朱俊生.建立我国政策性农业保险制度问题探讨[J].首都经济贸易大学学报,2004(6):45-49.
[26]王秀芬,王春艳,李茂松.我国农业保险财政补贴机制存在的问题及相关建议[J].农村经济,2012(11):60-64.
[27]Garrido,Zilberman.Revisiting the demand for agricultural insurance:The case of Spain[J].Agricultural Finance Review,2008,68(1):43-66.
[28]Vincent,Glauber.Agricultural insurance in developed countries:Where have we been and where are we going?[J].Applied Economic perspectives and policy,2012,34(3):363-390.
[29]丁少群,王信.政策性农业保险经营技术障碍与巨灾风险分散机制研究[J].保险研究,2011(06):56-62.
[30]Mahul,Olivier,Stutley,Charles J.Government support to Agricultural Insurance:Challenges and Options for Developing Countries[R].World Bank,2010.
[31]Menard C,Klein P G.Organizational issues in the Agrifood sector:toward a comparative approach[J].American Journal of Agricultural Economics,2004,86(3):750-755.
[32]Edwin Michael Cortez.Research,Education and Economics information system:an engine for strategic planning and information policy development at the U.S.development of agriculture[J].Journal of Government informatin,1999,26(2):119-129.
[33]曾小红,王强.国内外农业信息技术与网络发展概况[J].中国农学通报,2011(8):468-473.
[34]杜永红.农产品职能供应链体系构建研究[J].经济纵横,2015(06):75-78.
[35]吕晓英,李先德.美国农业再保险制度及其对中国建立农业大灾风险分散体系的借鉴[J].世界农业,2014(10):6,1-4,8.
[36]郭翔宇,刘从敏,李丹.交易成本视角下农户购买政策性种植业保险意愿的实证分析---基于黑龙江省的调查[J].农业现代化研究,2016(3):551-557.
[37]Hassan.Demystifying cloud computing[J].The Journal of Defense software engineering,2011:16-21.
[38]Carter T R.Agricultural impacts:multi-model yield projection[J].Nature Climate Change,2013,3(9):784-786.
[39]Varshney.Next generation sequencing technologies and their implication for crop genetics and breeding[J].Trends in Biotechnology,2009,29(9):522-530.
[40]Snijders C.“Big Date”:Big gaps of knowledge in the field of internet[J].International Journal of internet science,2012,(7):1-5.
[41]李珊珊.无人机遥感系统在灾害损失实物量评估中的应用[J].测绘科学,2013(6):76-78,81.
[42]黎贞发,王铁.基于物联网的日光温室低温灾害监测预警技术及应用[J].农业工程学报,2013(4):229-236.
[43]蔡镔,马玉芳,赵振华.基于无线传感器网络的温室生态智能监控系统研究[J].河南农业大学学报,2013(2):167-171.
[44]汪沛,罗锡文.基于微小型无人机的传感信息获取关键技术综述[J].农业工程学报,2014(18):1-12.
[45]袁玉敏.农业植保无人机高精度定位系统研究与设计---基于GPS和GPRS[J].农机化研究,2016(12):227-231.
[46]Kunreuther.Disaster mitigation and insurance:learning from Katrina[J].Annals of the American Academy of Political and Social Science,2008,604(1):208-227.
[47]冯月英.农业巨灾保险中的政府行为探究[J].金融发展研究,2010(6):77-79.
[48]谢家智,蒲林昌.政府诱导型农业保险发展模式研究[J].保险研究,2003(11):42-44,31.
[49]郑军,汪运娣.我国农业保险差异性财政补贴:地区经济差距与财政支出公平[J].农村经济,2017(5):84-90.
[50]胡秋明.论我国农业保险发展的制度创新[J].财经科学,2004(5):112-116.
[51]Hanson,Black.Efficiency Costs of Subsidy Rules for Crop Insurance[J].Journal of Agricultural and Resource Economics,2003,28(1):116-137.
[52]O Donoqhue,Robert and Key.Did the federal crop insurance reform act alter farmer enterprise diversification?[J].Journal of Agricultural Economics,2009,60(1):80-104.
[53]Glauber,J.W.The Growth of the Federal Crop Insurance Program 1990-2011[J].American Journal of Agricultural Economics,2013,95(2):482-488.
[54]林青.政策性保险:我国农业保险制度的创新[J].商业研究,2005(6):141-144.
[55]Ermoliev.A system approach to management of catastrophic risks[J].European Journal of Operational Research,2000(122):452-460.
[56]Gollier.Time Horizon and the Discount Rate[J].Journal of Economic Theory,2002,107:463-473.
[57]Niehaus.The allocation of catastrophe risk[J].Journal of Banking and Finance,2002,26:585-596.
[58]Doherty.Moral Hazard,Basis risk,and Gap Insurance.[J].The Journal of risk and insurance,2002,69(1):9-24.
[59]赵山.以再保险为核心的巨灾和农业保险体系研究[J].保险研究,2007(12):50-54.
[60]Skees,Designing and rating an area yield crop insurance contract.[J].American Journal of Agricultural Economics,1997,79(2):430-438.
[61]郑军,姜风雷.农业气象指数保险的理论与实践:一个文献综述[J].重庆工商大学学报(社会科学版),2017(2):41-47.
[62]Chantarat,Using weather index insurance to improve drought response for famine prevention[J].American Journal of Agricultural Economics,2007,89(5):1262-1268.
[63]张恒,鲍文.农业气象灾害保险与农业防灾减灾能力构建[J].农业现代化研究,2012(2):166-169+24.
[64]甘平,董燕生,孙林.基于无人机载Li DAR数据的玉米涝灾灾情评估[J].中国农业科学,2017(15):2983-2992.
[2]Lewis,Nickson.“Self-insurance against natural disasters”[J].journal of Environmental Economics and Management,1989(16):20-223.
[3]高彦彬.农业保险市场失灵的经济学分析[J].东北大学学报(社会科学版),2006(6):422-425.
[4]Skees.Poutunities for improved efficiency in risk sharing using capital markets[J].American Journal of Agricultural Economics,1999,81(5):1228-1233.
[5]Glauber,Collins.Crop insurance.Disaster role of the federal government in providing catastrophichic[J].Agricultural Finance Review,2002,69(2):81-102.
[6]李建英,许世瑛.农业保险政府补贴的国际比较及启示[J].农村金融研究,2011(2):74-77.
[7]Nelson,Carl and E.T.Loehman.“Further Toward a Theory of Agricultural Insurance,”[J].American Journal of Agricultural Economics,1987(69):523-531.
[8]黄颖.我国农业保险助力农业现代化作用机制探究[J].产业与科技论坛,2015(15):6-7.
[9]Raju.A study on the performance of national agricultural insurance scheme and suggestions to make it more effective[J].Agricultural Economics Research Review,2008,21(1):11-19.
[10]黄英君.中国农业保险制度的变迁与创新[J].保险研究,2009(2):52-58.
[11]Goodwin.An empirical analysis of the demand for multiple-peril crop insurance[J].American Journal of Agricultural Economics,1993(75):434-435.
[12]Ahsan.Toward a theory of agricultural insurance[J].American Journal of Agricultural Economics,1982(64):520-529.
[13]金丽红.我国农业保险严重滞后的制约因素及制度创新[J].武汉金融,2005(6):51-53.
[14]Innes R..Crop Insurance in a Political Economy[J].American Journal of Agricultural Economics,2003(2):318-335.
[15]Goodwin B.K.Problems with Market Insurance in Agriculture[J].American Journal of Agricultural Economics,2001(03):643-649.
[16]郑军,王仲秋.农业保险补贴的精准扶贫效应:一个文献综述[J].长春理工大学学报(社会科学版),2017(6):103-107.
[17]朱俊生.国外不同农业保险模式下巨灾风险分散制度及其比较[J].世界农业,2013(10):6-10.
[18]庹国柱,朱俊生.完善我国农业保险制度需要解决的几个重要问题[J].保险研究,2014(2):44-53.
[19]William.The politics and economics of disaster relief.[J].Public Choice,2006,12(7):31-53.
[20]庹国柱.试论农业保险的制度模式和经营模式及其创新[J].保险职业学院学报,2017(3):43-51.
[21]Crossi,Kunreuther.Catastrophe Molding:A new approach to management risk[M].springer science business media inc,2009.
[22]Wenner M,Arias D.Agricultural Insurance in Latin American:where are we?[J].Paving the way forward for rural finance,2003,69(3):523-531.
[23]郑军,王启敏.农业保险与精准扶贫:发展困境与改革创新[J].沈阳大学学报(社会科学版),2017(5):560-565.
[24]赵立彬.农业保险助力精准扶贫的几点构想[J].劳动保障世界,2017(9):34.
[25]庹国柱,朱俊生.建立我国政策性农业保险制度问题探讨[J].首都经济贸易大学学报,2004(6):45-49.
[26]王秀芬,王春艳,李茂松.我国农业保险财政补贴机制存在的问题及相关建议[J].农村经济,2012(11):60-64.
[27]Garrido,Zilberman.Revisiting the demand for agricultural insurance:The case of Spain[J].Agricultural Finance Review,2008,68(1):43-66.
[28]Vincent,Glauber.Agricultural insurance in developed countries:Where have we been and where are we going?[J].Applied Economic perspectives and policy,2012,34(3):363-390.
[29]丁少群,王信.政策性农业保险经营技术障碍与巨灾风险分散机制研究[J].保险研究,2011(06):56-62.
[30]Mahul,Olivier,Stutley,Charles J.Government support to Agricultural Insurance:Challenges and Options for Developing Countries[R].World Bank,2010.
[31]Menard C,Klein P G.Organizational issues in the Agrifood sector:toward a comparative approach[J].American Journal of Agricultural Economics,2004,86(3):750-755.
[32]Edwin Michael Cortez.Research,Education and Economics information system:an engine for strategic planning and information policy development at the U.S.development of agriculture[J].Journal of Government informatin,1999,26(2):119-129.
[33]曾小红,王强.国内外农业信息技术与网络发展概况[J].中国农学通报,2011(8):468-473.
[34]杜永红.农产品职能供应链体系构建研究[J].经济纵横,2015(06):75-78.
[35]吕晓英,李先德.美国农业再保险制度及其对中国建立农业大灾风险分散体系的借鉴[J].世界农业,2014(10):6,1-4,8.
[36]郭翔宇,刘从敏,李丹.交易成本视角下农户购买政策性种植业保险意愿的实证分析---基于黑龙江省的调查[J].农业现代化研究,2016(3):551-557.
[37]Hassan.Demystifying cloud computing[J].The Journal of Defense software engineering,2011:16-21.
[38]Carter T R.Agricultural impacts:multi-model yield projection[J].Nature Climate Change,2013,3(9):784-786.
[39]Varshney.Next generation sequencing technologies and their implication for crop genetics and breeding[J].Trends in Biotechnology,2009,29(9):522-530.
[40]Snijders C.“Big Date”:Big gaps of knowledge in the field of internet[J].International Journal of internet science,2012,(7):1-5.
[41]李珊珊.无人机遥感系统在灾害损失实物量评估中的应用[J].测绘科学,2013(6):76-78,81.
[42]黎贞发,王铁.基于物联网的日光温室低温灾害监测预警技术及应用[J].农业工程学报,2013(4):229-236.
[43]蔡镔,马玉芳,赵振华.基于无线传感器网络的温室生态智能监控系统研究[J].河南农业大学学报,2013(2):167-171.
[44]汪沛,罗锡文.基于微小型无人机的传感信息获取关键技术综述[J].农业工程学报,2014(18):1-12.
[45]袁玉敏.农业植保无人机高精度定位系统研究与设计---基于GPS和GPRS[J].农机化研究,2016(12):227-231.
[46]Kunreuther.Disaster mitigation and insurance:learning from Katrina[J].Annals of the American Academy of Political and Social Science,2008,604(1):208-227.
[47]冯月英.农业巨灾保险中的政府行为探究[J].金融发展研究,2010(6):77-79.
[48]谢家智,蒲林昌.政府诱导型农业保险发展模式研究[J].保险研究,2003(11):42-44,31.
[49]郑军,汪运娣.我国农业保险差异性财政补贴:地区经济差距与财政支出公平[J].农村经济,2017(5):84-90.
[50]胡秋明.论我国农业保险发展的制度创新[J].财经科学,2004(5):112-116.
[51]Hanson,Black.Efficiency Costs of Subsidy Rules for Crop Insurance[J].Journal of Agricultural and Resource Economics,2003,28(1):116-137.
[52]O Donoqhue,Robert and Key.Did the federal crop insurance reform act alter farmer enterprise diversification?[J].Journal of Agricultural Economics,2009,60(1):80-104.
[53]Glauber,J.W.The Growth of the Federal Crop Insurance Program 1990-2011[J].American Journal of Agricultural Economics,2013,95(2):482-488.
[54]林青.政策性保险:我国农业保险制度的创新[J].商业研究,2005(6):141-144.
[55]Ermoliev.A system approach to management of catastrophic risks[J].European Journal of Operational Research,2000(122):452-460.
[56]Gollier.Time Horizon and the Discount Rate[J].Journal of Economic Theory,2002,107:463-473.
[57]Niehaus.The allocation of catastrophe risk[J].Journal of Banking and Finance,2002,26:585-596.
[58]Doherty.Moral Hazard,Basis risk,and Gap Insurance.[J].The Journal of risk and insurance,2002,69(1):9-24.
[59]赵山.以再保险为核心的巨灾和农业保险体系研究[J].保险研究,2007(12):50-54.
[60]Skees,Designing and rating an area yield crop insurance contract.[J].American Journal of Agricultural Economics,1997,79(2):430-438.
[61]郑军,姜风雷.农业气象指数保险的理论与实践:一个文献综述[J].重庆工商大学学报(社会科学版),2017(2):41-47.
[62]Chantarat,Using weather index insurance to improve drought response for famine prevention[J].American Journal of Agricultural Economics,2007,89(5):1262-1268.
[63]张恒,鲍文.农业气象灾害保险与农业防灾减灾能力构建[J].农业现代化研究,2012(2):166-169+24.
[64]甘平,董燕生,孙林.基于无人机载Li DAR数据的玉米涝灾灾情评估[J].中国农业科学,2017(15):2983-2992.