我国农业保险的参与主体包括政府、保险公司和参保农户。由于道德风险的存在,导致农业保险主体的合作容易出现博弈行为。文章以重复博弈为分析方法,并以浙江省农险共保体为实例,讨论了我国农业保险相关主体合作机制,得出我国农业保险相关主体合作机制的建立,有赖于有效的惩罚机制、信息共享平台的建立及法律制度规范的结论。
The parties involved in Chinese agricultural are the government,insurance company and farmer. Because moral hazards are widespread, the parties involved in agricultural insurance tend to adopt non -cooperative action. This paper uses repeated games theory to compare the parties'different payoff under the different strategies, such as trigger strategy,limited penalty strategy and tit for tat strategy. The case of Zhejing Province agricultural insurance provides the evidence that the establishment of the cooperation mechanism among Chinese agriculture insurance involved parties depends on effective punishment mechanism, and the establishment of information platform and the legal system standard.