【英文篇名】 The Analysis on Catastrophic Risk,Premium Subsidy and the Disequilibrium of Agricultural Insurance Markets in China 【作者中文名】 邢慧茹; 陶建平; 【作者英文名】 XING Hui-ru1; 2; TAO Jian-ping1 （1.Economic Management College of Huazhong Agricultural University; Wuhan 430070; China; 2.Engineering and Commerce College of South-Central University for Nationalities; Wuhan 430065; China）; 【作者单位】 华中农业大学经济管理学院; 中南民族大学工商学院; 【文献出处】 中国软科学, China Soft Science, 编辑部邮箱 2009年 07期 期刊荣誉：中文核心期刊要目总览 ASPT来源刊 中国期刊方阵 CJFD收录刊 【关键词】 巨灾风险; 农业保险; 保费补贴; M-V偏好函数; 市场失衡; 【英文关键词】 catastrophic risk; agricultural insurance; premium subsidy; M-V preference function; markets disequilibrium; 【摘要】 本文利用M-V偏好函数构造了满足农户和保险公司期望效用最大化条件的农业保险供需模型,考察了竞争性农业保险市场短期均衡的存在,论证了长期农业保险市场失衡是由于供给者考虑巨灾风险所致,而政府给予保费补贴有助于纠正农业保险市场失衡,但纠正的程度视补贴大小而定,以此为基础实证分析了我国农业保险市场的发展。理论和实证对我国农业保险保费补贴及其他保险风险转移工具的设计具有一定意义。 【英文摘要】 Under the condition of farms and insurance companies expected utility maximum,we develop an agricultural insurance market equilibrium model based on the M-V preference function and point out that the equilibrium in short agricultural market exists.And then demonstrate that catastrophic risk makes insurance companies responsive lead to the disequilibrium of agricultural insurance market.Government s subsidy to premium can help facilitate the disequilibrium;but to what extent depend on the scale of subsidy,... 【基金】 国家自然科学基金项目(项目批准编号:70673028)的资助 【DOI】 CNKI:SUN:ZGRK.0.2009-07-005