交易理论与政策性农业保单需求 阅读全文
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Title | Inquiry into Transaction Theory and Demand for Policy-oriented Agricultural Insurance
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作者 | 胡超 陶建平 程静 |
Author | Hu Chao,Tao Jianping and Cheng Jing |
作者单位 | 华中农业大学经济管理学院;湖北工程学院经济与管理学院 |
Organization | Economic and Management College, Huazhong Agriculture University& Hubei Rural Development Research Center; Department of Economic and Management, Hubei Engineering University |
作者Email | 1531946527@qq.com;jptao@mail.hzau.edu.cn;446944921@qq.com |
中文关键词 | 政策性农业保险 交易费用 需求定律 |
Key Words | Policy-oriented Agricultural Insurance; Transaction Cost; Demand Law |
内容提要 | 继承马歇尔的需求理论框架,本文推导了一个农业保单需求理论。农户间流行的非正式风险分担安排在政府推行政策性农业保险时被忽略了。在运用1993-2006年湖北“农村税费改革”税负资料验证时发现,非正式风险分担安排代价在显著递减。在建立政策性农业保险制度会发生显著交易费用的情况下,推广政策性保单应考虑回归其经济物品的本质,并与非正式分担方式实行融合。 |
Abstract | By inheriting Marshall’s theory of demand, this article derives a theory of demand for policy-oriented Agricultural Insurance. The informal risk-sharing arrangements among Chinese farmers have been ignored when the officials promulgated “Agricultural insurance regulations”. We have applied “1993-2006 Hubei Rural Tax and Fee Reform” material to verify the demand theory, and found a significant drop in the costs of informal arrangements. Considering high transaction costs incurred in establishing agricultural insurance system, the decision-maker should return to “economic goods” nature of insurance, while moderately integrate insurance system and the forgotten arrangements. |
文章编号 | WP1144 |
登载时间 | 2017-01-03 |
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