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我国农业自然灾害频发,在政策性农业保险试点的补偿过程中,政府的主导作用没有得到充分发挥,只重视物质补偿,忽视非物质补偿的研究和运用。人在灾害面前,除了物质的需要,还有心灵的重建;在农业生产自救和灾后重建过程中,除了需要物质补偿,还需要政策支持和技术指导;在商业性保险补偿中,由于农业风险信息的严重不对称,道德风险因素增加,商业保险公司在进行农业风险事故赔偿时,迫切需要政府进行道德干预以减少道德风险。
In our country, there are frequent natural disasters in agriculture. In the process of compensation for the pilot of policy-oriented agricultural insurance, the government’s leading role has not been brought into full play. Only material compensation has been paid attention to, and research and application of non-material compensation have been neglected. In addition to material needs and spiritual rebuilding, people need disaster prevention and reconstruction in addition to material compensation. In commercial compensation, due to agricultural risk information Of the serious asymmetry, moral hazard factors increase, commercial insurance companies in the agricultural risk accident compensation, the urgent need for government moral intervention to reduce moral hazard.