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200911INSURANCESTUDIESNo.112009(,212013)[],,,[];;[]F840.66[]A[]1004-3306(2009)11-0052-07(),,,()(),,,,,,,,,,,,,,,,,,,,[](:09-C-11)[],,,,,;,25,:(1),;(2),;(3);(4),;(5),()111,go,oiop,go,(|oa||ob|,|oc|),oabcou1u2u3,abc,u1u2u3abcu2,u2abcl2,o2,u2odmneho2f,oeodno,oo2,oo2aobohoeod,,oo2,,,,()1.,,1,oo2iogno,odoe,,u2abcc,,,2.,,,,coi,,,,oeodo2,o2,oeod35no,od,,no,,,,,,,,,,0,,:,,()1.,,,,,,1,,opoi,ohab,(,),,,2.oeb,,,,,,(,)(,),,,,80%,,,,,;,,;,,,:,,()1.,,,,1,daeb,,ab,,2.,,,,,,,,,,,,,,(),,,,,,,199345,:(1),;(2);(3),2(a),gG1G2,G1G2g1g2,g1+g2=g,0AB,g1g2MRSg1g2=1,g1g22(b)2(c)G1G2,G1U1G2g2,G1g1G2U2,2(d)UUG1G2,2,G1g1U1,G2g2U2,MG1G2,,G1G2,N,G1G2g1g2,U1U2,2(d),g1+g2=g1+g2=g=g=g,,UU,,,,,2(d),UU’,3(3,UU,W):(1)UUL3,L2L1UL3UL2UL3UL1,L3UU,L3UU0:,,(2)L3,;L2,(3)L1,()WUUO1,MNL2MN,dU(MN)/dU(L2)=OU/OU355:(1)UU,;(2)UU,,;(3)UU,,,UU,,,()1.W,P,L,q,,q2.,U(w),,U(w)0,U(w)0,A=PU(W-L)+(1-P)U(W);,:B=PU(W+q-L-q)+(1-P)U(W-q)3.,,q;,q-qK,:C=P(q-q)+(1-P)q-K(),,,(,),(,),,(,)1.BAC0,,,X,C+X0,(,)(1)1BC+XA0A-KA02.ABC0,,(,),Y,B+YA,(,)(2)2B+YCA0A-KA03.BAC0,,X,Y,C+X0B+YA,(,)(3)653B+YC+XA0A-KA0,,,,,,,,,,777,,,,(1968),,,,,,,,(),,,(),,,,,,,,,,,,,,75(),,,,,,,,,,,,;,,,,,,,,,,(),,,,,,,,,,,,,,[][1].[J].,2007,(10).[2].()[M],.2007.[3],.[J].,2003,(5).[4].:[M].,2004.[5],.[J].,2008,(1).[6],.[J].,2008,(12).[7],.[J].,2008,(7).[8],[J].,2009,(7).[9].[J].,2008,(12).[10],.[C].(),2009.[11].[J].,2009,(2).[12].()[M].,2004.Abstract:Onthebasisofananalysisonmainparticipantsinthepolicy2orientedagriculturalinsurance,thispaperresearchesonthegamerelationshipamonggovernment,commercialinsurancecompaniesandfarmers,aswellasthegamerelationshipofgovernmentsatdifferentlevelsunderdifferentriskstatuses.Italsoexploresonthegameactionofriskcompensationundertheconditionofgovernmentinterventionintopolicy2orientedagriculturalinsurance.Fi2nally,thepaperalsoputsforwardspecificmeasurestoguardagainsttheriskofpolicy2orientedagriculturalinsurancefromtheperspectivesofgovernments,commercialinsurancecompaniesandfarmers.Keywords:policy2orientedagriculturalinsurance;gameanalysis;riskpreventionstrategies[:]85