《保险研究》20201102-《我国农业保险参保现状及应对措施——基于行为经济学视角》（贺娟）

［摘   要］在农业保险保费补贴政策的推动下,我国农业保险规模迅速扩大，至2019年,农险保费收入已达672.5亿元。然而各级财政补贴占到了总保费的近八成,若要进一步扩大农户参保率,单纯依靠提高财政补贴已行不通。如何在不增加财政负担的情况下，引导和鼓励农户自主自愿参保是亟待解决的问题。本文通过对华中三省1079户农户的调查分析,描述了当前阶段下的真实参保现状,归纳出了“统一参保”、“推荐参保”、“打包参保”等参保促进手段。进而引入公共政策领域中基于行为规律的政策制定理论和实践经验,为制定更加全面的参保促进措施构建理论框架,并提出提高农户农业保险关注度、减少行为-意愿差距、改变成本收益分析、强化保费补贴激励等具体参保促进措施，以期为解决我国农业保险参保率不足的问题提供理论依据和实践参考。

［关键词］农业保险;公共政策;行为经济学;参保率;措施制定

［基金项目］中央高校基本科研业务费专项资金资助项目(2662020JGPYG12)；国家自然科学基金青年项目(71703049)。

［作者简介］贺娟,华中农业大学经济管理学院副教授。

China′s  Agricultural Insurance Participation Situation and Promoting Measures:From the Perspective of Behavioral Economics

HE Juan

Abstract：Under the promotion of the  agricultural insurance premium subsidy policy,the scale of China′s agricultural insurance has expanded rapidly.By 2019,the premium income of agricultural insurance has reached 67.25 billion yuan, but the fiscal subsidies at all levels account for nearly 80% of the total premiums.If we want to further expand the participation rate of farmers,it is no longer feasible to rely solely on the increase of fiscal subsidies.How to encourage farmers to voluntarily participate in agricultural insurance without increasing the fiscal burden is a pressing issue.Through the investigation of 1079 rural households in three provinces of central China,this paper presented the actual situations of insurance participation at the current stage,and suggested effective measures of “unified purchase”,“recommended purchase”,and “packaged purchase” for promoting participation.Furthermore,it introduced the behavioral economics theory in the public policy field and related practical experiences to construct a theoretical framework for proposing more comprehensive insurance promotion measures.At last,it offered detailed participation promoting measures such as increasing attention to agricultural insurance,reducing willingness-behavior gaps,changing cost-benefit analysis,and strengthening premium subsidy incentives.The paper can provide theoretical support and practical examples for solving the low participation rate of agricultural insurance in China.

Key words：agricultural insurance;public policy;behavioral economics;insurance participation rate;policy formulation