农业保险保费财政补贴效率研究.ppt
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1、农业保险保费财政补贴效率研究: 基于农户级微观数据的证据,张跃华 副教授 管理学博士、经济学博士后 浙江大学社会保障与风险管理系,13868130078 ,目 录, 1,研究背景及意义,连续十年中央1号文件,根据财政部财金(2013)7号文件:加强保费补贴资金管理,提高财政资金使用效益。,十八大报告中提出:“必须以保障和改善民生为重点,解决好人民最关心、最直接、最现实的利益问题,努力让人民过上更好生活。”,十八大,一号文件, 2,农业保险绩效 评价,1、政策性农业保险的理论和实证根据 (1)农业保险的作用?实证意义上 (2)粮食产量(牲畜产量)、农户生产方式、社会福利效应(稳定、食品安全等)度
2、量 (3)农业保险与其他支农方式的比较 (4)道德风险(欺诈)度量 2、补贴资金的分配和使用 (1)补贴资金在保险公司、农户及其他机构的分配; (2)社会受益面及赔付率 (3)农业保险保险可持续性等问题,3,美国经验借鉴,Budget: crop insurance has become the most costly farm program (outside of food and nutritional assistance). In 2011, over 265 million acres were insured in the program, with a total liabil
3、ity estimated at $114 billion. Federal costs of the program in fiscal year (FY) 2011 are estimated to exceed $11 billion, and the Congressional Budget Office projects that 10-year outlays over FY 201322 will exceed $90 billion.,4,Questions What Market Failure? The Harm of Subsidies Potential distort
4、ions Efficient of Subsidy As Smith (2011) pointed out, over the 20052009 period, the combination of A&O subsidies and underwriting gains resulted in a return of $1.44 to the private insurance companies for each subsidy dollar returned to farmers (in terms of the excess of indemnities over farmerpaid
5、 premiums).,WHY DOWE SUBSIDIZE CROP INSURANCE?,What is the price elasticity of demand for crop insurance? Adverse selection and moral hazard are difficult to measure and may have changed over time. To what degree do farm decision-makers experience cognitive failure when assessing catastrophic price
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- 关 键 词:
- 农业 保险 保费 财政补贴 效率 研究
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