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借鉴SCP范式研究我国农业保险业市场结构特征可以发现,我国农业保险业市场主体存在多重矛盾现象,农业保险业务供需不平衡以及市场壁垒阻碍农业保险业新兴主体进入,市场绩效极为低下。基于SCP范式的分析表明,发展我国农业保险需要在制度安排上遵循区域化原则,制定正规制度优化区域农业保险市场结构,建设区域特色的非正规农业保险制度,优化区域农业保险实施机制,促进其进行良好融合和互动,进而优化农业保险业市场结构,产生良好的市场绩效,推进农业保险的市场化发展。
Studying the SCP paradigm to study the structure of China’s agricultural insurance market, we can find that there are multiple contradictions in the main body of China’s agricultural insurance market. The unbalance of supply and demand of agricultural insurance business and the market barriers hinder the entry of new entrants into the agricultural insurance industry. Market performance is extremely low. The analysis based on the SCP paradigm shows that the development of China’s agricultural insurance needs to follow the principles of regionalization in institutional arrangements, establish a formal system to optimize the regional agricultural insurance market structure, build regional informal insurance system, optimize the implementation mechanism of regional agricultural insurance and promote its Conduct good integration and interaction, and then optimize the market structure of agricultural insurance industry, generate good market performance and promote the market-based development of agricultural insurance.