Abstract:

In order to provide scientific basis for analyzing the Central Government premium subsidy amount and for  allocating premium subsidy to planting industry in China, the demand of premium subsidy by 9 crops in each province (city, or municipality) was calculated and analyzed based on crop acreage, substance & service cost, premium rates and percentage of central government financial subsidy. The result indicated that the total demand of policy premium subsidy in China was 9.977 billions RMB. However, the Central Government financial budget for premium subsidy in agriculture industry (including planting industry and stockbreeding) was only 6.05 billions RMB, which was far below the demand of planting industry, and even we did not take the increasing cost of substance and service into account. Besides, the demand of per unit area was larger in the undeveloped regions, because the local government's ability to pay premium subsidy was weaker, the cost for substance and service there was relatively higher and the payment ability of rural resident was poorer. Therefore, the percentage of Central Government premium subsidy should be increased in those undeveloped regions, so as to insure the overall implementation of policy agriculture insurance under the principle of ‘low security and wide coverage’.

Key words: agro-insurance, planting industry, premium, natural disaster risk, risk management

摘要：

为分析我国种植业政策性保险的中央财政补贴金额,进一步为中央财政配置保费补贴提供科学依据,以作物种植面积、物质与服务成本、保险费率和中央财政补贴比例为依据,测算分析了全国各省（市、自治区）9种作物的种植业保险的中央财政补贴需求。结果表明,全国种植业政策性保险总需求为99.77亿元。即使在不考虑物质与服务成本逐年上涨的情况下,中央财政预算60.5亿元的农业保险保费补贴远远不能满足种植业需求。另外,经济欠发达地区补贴能力差,物质与服务成本相对较高,农民支付能力差,因此单位面积的补贴需求大。为了保障政策性农业保险在“低保障、广覆盖”的原则下全面推广,需要中央财政补贴比例向欠发达地区倾斜。

关键词: 农业保险;种植业;保险费;自然灾害风险;风险管理