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针对农业机械广泛使用而其安全保障措施相对缺失的现实,本文对农机互助保险的运行特征及优势进行了讨论。运用保险人与投保人的博弈模型分析了农机互助保险的优势,并对其实施提出了相应的对策建议。结论显示农机互助保险不仅打破了传统农险的困境,而且其保费较传统农险有所降低,有效开展可排除农机的安全隐患、解决农机保险相对缺失的问题。
For the widespread use of agricultural machinery and the relative absence of safety and security measures in reality, this paper discusses the operational characteristics and advantages of mutual aid insurance of agricultural machinery. By using the game model of insurer and policy holder, this paper analyzes the advantages of mutual aid insurance for agricultural machinery and puts forward corresponding countermeasures and suggestions for its implementation. The conclusion shows that the mutual aid insurance of agricultural machinery not only breaks the predicament of traditional agricultural insurance, but also reduces the premium of traditional agricultural insurance, effectively avoids the potential safety hazard of agricultural machinery and resolves the relative lack of agricultural insurance.