我国农机保险财政补贴方案研究

RESEARCH ON FINANCIAL SUBSIDY PLAN FOR AGRICULTURAL MACHINERY INSURANCE

关键词:  农机保险 财政补贴 补贴机型 补贴险种 补贴额度

Key words:  agricultural machinery insurance  financial subsidy  models of subsidy  insurance coverages of subsi- dy  amount of subsidy

摘要:

农机保险的正外部性与有效需求不足表明了实施农机保险财政补贴的必要性，文章结合现有补贴 试点地区实践经验与数据，利用统计优化思想与系统分析方法对农机保险方案中的补贴机型、保险费率与 保障金额、补贴比率与补贴金额等问题进行了研究。主要结论如下:（1）农机保险财政补贴的主要机型应 该是拖拉机与联合收割机，允许部分地区开展特色农机保险;（2）补贴险种应该主要是交强险、第三者责 任险、农机操作人员意外伤害险及农机损失险，综合试点地区费率水平确定了各险种的保费与保障金额; （3）基于财政收入水平、粮食产量、人均收入水平、农业保险补贴比率现状、粮食主产区划分等因素，确 定了三类补贴区域及补贴比率，分别为35%、40%及45%;（4）测算了参与率分别在30%～100%情况下 的补贴金额为21.7亿元与72.5亿元之间，其中最有可能参与率的补贴金额为42.7亿元。研究结果对相关 部门推动农机保险开展与制定农机保险财政补贴政策，具有重要参考依据。

Abstract:

Financial subsidy is an effective measure for developing the Agricultural Machinery Insurance in our country. We first analyzed the necessity of the financial subsidy for Agricultural Machinery Insurance from the view of positive externality and insufficient effective demand. And then， on the basis of the practical experience and data of the existing subsidies pilot area， subsidy machinery type， insurance rate and coverage， and subsidy rate and a- mount are discussed using statistical optimization idea and system analysis method in this paper. The main results are:（1） the main agricultural machinery type of financial subsidy are tractors and combine harvesters， others are considered in different province;（2） the main insurance coverage of subsidy are the Compulsory Insurance， the Third Liability Insurance， the Accident Insurance of Agricultural Operators and the Agricultural Machinery Loss In- surance; and the premium and amount of insurance for each kind of insurance shall be determined according to dif- ferent rates of the pilot areas;（3） the whole country is divided into three regions according to different financial in- come， grain output and per capita income， respectively 35%， 40% and 45%;（4） with different participation rates from 30% to 100%， the total amount of subsidies is calculated to be from 2.17 billion Yuan to 7.25 billion Yuan， the most likely participation rate of subsidy amount being 4.27 billion Yuan. The research results could pro- vide reference and data support for the implementation of agricultural insurance in China.