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4821保费补贴政策是政策性农业保险制度的重要部分，不合理的补贴制度无法真正实现"低保费、广覆盖，低保障、保成本"的普惠目标。文章构建了农业保险收入消费模型，分析结果显示，在带门槛的固定补贴费率模式下，政策性农业保险保费支出随家庭收入的增加而先升后降；当商业保险的实际费率水平低于政策性农业保险时，政策性农业保险的消费总量明显下降，商业保险消费总量随家庭收入的增加而单调递增。基于2015年上海财经大学"千村调查"数据的分析证实，家庭收入与政策性农业保险存在倒U形关系，而与商业保险存在正相关关系。文章进一步提出超率累退保费补贴模式，并利用实际数据进行了设计。超率累退保费补贴模式能够有效提高政策性农业保险的覆盖率和整体保障水平。文章的研究对于完善政策性农业保险制度、实现金融普惠目标具有重要的意义。
政策性农业保险补贴最优模式探析——基于“千村调查”的研究
摘要
参考文献
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引用本文
粟芳, 方蕾. 政策性农业保险补贴最优模式探析——基于“千村调查”的研究[J]. 财经研究, 2017, 43(11): 140.
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