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保险商品同其他商品一样,在市场上的交易及规模都是由有效需求和有效供给共同决定的,而我国目前的农业保险既缺乏有效需求又缺乏有效供给。通过对我国政策性农业保险中农民及政府的行为分析,可知农业保险可以提高农民的期望财富量,政府补贴可以有效刺激农业保险需求和激励保险公司对农业保险的供给,为有效地解决我国的农业保险中存在的供求不足提供了理论依据。
Like other commodities, insurance products are traded and scaled in the market by both effective demand and effective supply. However, current agricultural insurance in our country lacks both effective demand and lack of effective supply. Through the analysis of peasants and government behavior in China’s policy-oriented agricultural insurance, we can see that agricultural insurance can increase the peasant’s expected wealth, government subsidies can effectively stimulate the demand for agricultural insurance and encourage insurance companies to provide agricultural insurance. In order to effectively solve the problem of China’s The existence of supply and demand in agricultural insurance provides a theoretical basis.