上海管理科学2013，Vol.35Issue(3)：67-70,4.
效用决策、财政补贴及我国农业保险的最优保险模型研究
The Research on Utility Decision-making, Financial Subsidy, and Optimal Insurance Model for Chinese Agricultural Insurance
摘要
Abstract
Applying expected utility decision-making model,the optimal insurance issue of Chinese Agricultural Insurance is studied.The function of equilibrium deductible rate which realized the fairness between the counterparts of agricultural insurance is established,as well as a modified function of equilibrium deductible rate under the condition of financial premium subsidy from governments.The research indicates that improving the risk identification ability of insured and insurers,setting up a uniquely national agricultural insurance company,and magnifying the financial subsidy of government are helpful to increase the farmers' willingness of participating agricultural insurance,therefore making Chinese agricultural insurance markets developed faster.关键词
农业保险/最优保险/期望效用决策/均衡免赔率Key words
Agricultural Insurance/ Optimal insurance/Expected utility decision-making model/ Equilibrium deductible rate分类
管理科学引用本文复制引用
欧阳越秀..效用决策、财政补贴及我国农业保险的最优保险模型研究[J].上海管理科学,2013,35(3):67-70,4.基金项目
本研究得到上海市教委科研创新项目(11YS97)的资助. （11YS97）
