基于正外部性的我国农业保险问题透析

农业保险的准公共产品属性导致农业保险存在正外部性，以及由此而导致的近年来我国农业保险业务的萎缩，所以，完全商业化农业保险失灵，解决问题的根本出路在于建立“政府财政补贴推进，商业化运作”的模式，重点突出财政补贴方式，并伴随农业风险基金的建立，撑开农业保险这把大伞，保证农业经济稳定健康发展。

Analysis on China's Agricultural Insurance Based on Positive Externality

Attribution of agricultural insurance＇s inaccurate public product attribution giving rise to the positive externality, thus led to the recent retrenching in China＇s agricultural insurance. Therefore, fully commercializing agricultural insurance functioned during the process. The mere solution rest on establishing the mode of “promotion by governmental financial subsidy with commercial operation” by highlighting financial subsidy forms accompanied with the establishment of agricultural risk fund to ensure agricultural economy＇s sound and steady development.