農(nóng)村合作經(jīng)濟(jì)組織推動(dòng)農(nóng)業(yè)保險(xiǎn)發(fā)展研究

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1、安徽農(nóng)業(yè)科學(xué)，JournalofAnhuing6．Sci．2011，39(30)：18908—18910責(zé)任編輯徐麗華責(zé)任校對李巖農(nóng)村合作經(jīng)濟(jì)組織推動(dòng)農(nóng)業(yè)保險(xiǎn)發(fā)展研究王秀芬，李茂松(中國農(nóng)業(yè)科學(xué)院農(nóng)業(yè)資源與農(nóng)業(yè)區(qū)劃研究所，北京100081)摘要分析了合作經(jīng)濟(jì)組織作為農(nóng)業(yè)保險(xiǎn)發(fā)展有效栽體的有利條件：合作經(jīng)濟(jì)組織推動(dòng)了規(guī)模化經(jīng)營，破解了小戶分散經(jīng)營難題；合作經(jīng)濟(jì)組織可以解決農(nóng)民組織化程度低的問題；合作經(jīng)濟(jì)組織可以大大縮減農(nóng)業(yè)保險(xiǎn)運(yùn)營成本；合作組織能在一定程度上降低道德風(fēng)險(xiǎn)和逆向選擇；合作組織在一定程度上降低了農(nóng)業(yè)生產(chǎn)風(fēng)險(xiǎn)，提高了農(nóng)業(yè)風(fēng)險(xiǎn)的可保性。同時(shí)，指出了農(nóng)業(yè)合作經(jīng)濟(jì)組織作為

2、農(nóng)業(yè)保險(xiǎn)經(jīng)營載體的局限性：合作經(jīng)濟(jì)組織的覆蓋范圍小，組織規(guī)模小，不利于農(nóng)業(yè)風(fēng)險(xiǎn)的分散；合作經(jīng)濟(jì)組織資金缺乏，本身發(fā)展還不夠規(guī)范，不利于載體功能的發(fā)揮；專業(yè)合作組織成員文化素質(zhì)低，不利于農(nóng)業(yè)保險(xiǎn)的推行。提出了推進(jìn)農(nóng)業(yè)保險(xiǎn)發(fā)展的農(nóng)民合作經(jīng)濟(jì)組織模式，如農(nóng)業(yè)保險(xiǎn)合作社(相互會(huì)社)模式、“龍頭企業(yè)(公司)+專業(yè)合作組織(種養(yǎng)大戶)+保險(xiǎn)”的模式、專業(yè)合作社代理農(nóng)業(yè)保險(xiǎn)模式。最后，簡要說明了農(nóng)業(yè)保險(xiǎn)對農(nóng)業(yè)合作經(jīng)濟(jì)組織的促進(jìn)作用。關(guān)鍵詞合作經(jīng)濟(jì)組織；農(nóng)業(yè)保險(xiǎn)；發(fā)展中圖分類號F325文獻(xiàn)標(biāo)識碼A文章編號0517—6611(2011)30—18908—03ResearchesonAgric

3、ulturalCooperativeEconomicOrganizationPromotingAgriculturalInsuranceDevelopmentWANGXiu-fenetal(InstituteofAgriculturalResourcesandAgriculturalRegionalization，ChineseAcademyofAgriculturalSciences，Beijing100081)AbstractTheadvantagesofcooperativeeconomicorganizationbeingtheeffectivecarrierofa

4、griculturalinsurancedevelopmentareanalyzed．Firstly，cooperativeeconomicorganizationspromotequantitativemanagementandsolvetheproblemofdecentralizedoperationofsmallhouse-holds．Secondly，cooperativeeconomicorganizationcansettletheproblemofpeasants’lowsystemization．Thirdly，cooperativeeconomicorg

5、ani—zationcanlargelyreducethecostsofagriculturalinsuranceoperation．Fourthly．cooperativeorganizationdecreasesmoralrisksaswellasadverseselectiontosomeextent．Lastly，cooperativeorganization，tocertaindegree，reducestherisksofaculturalproductionandincreasestheinsura—bilityofagriculturalrisks．Mean

6、while，limitationsofagriculturalcooperativeeconomicorganizationbeingthecarierofagriculturalinsurancemanagementarepointedout．Firstly，cooperativeeconomicorganizationhaslimitedcoverageandsmallsizeoforganization，whichisharmfultothediversificationofaculturalrisks．Secondly，cooperativeeconomicorga

7、nizationlackscapitalfundsanditsdevelopmentisnotstandard，whichisnotperfectforthefunctionexertionasacarrier．Lastly，membersofprofessionalcooperativeorganizationhavelowculturalqualities，whichisharmfultotheimplementofaculturalinsurance．Themodeoffarmers’cooperativee