我国农业保险财政补贴的效率研究

发布时间：2018-04-15 13:08

本文选题：农业保险 + 财政补贴　；参考：《郑州大学》2014年硕士论文

【摘要】：农业是人类的衣食之源、生存之本,无论是从经济的角度、社会的角度还是政治的角度,农业都是基础,农业的发展关乎国民经济的发展,关乎社会的安定和民族的独立。农业的发展会受到各种复杂风险的冲击,农业保险是管理农业风险进而稳定农业发展的有效手段。研究农业保险对于增进社会福利具有积极意义。由于农业保险具有的特殊属性,其发展离不开政府的支持。而我国支持农业保险最重要的方式就是实施财政补贴,研究财政补贴对于农业保险的作用就十分有意义。农业保险具有准公共物品的属性,农户预测农业生产出现风险时会得到一定的保险赔款,投保农险不但可以解决生产的担忧,还刺激了生产的积极性,农民加步劳作,增产增收,有利于农业的健康发展。农业又是国民经济中非常重要的环节,所以发展农业保险有一系列的正效应,但是私人部门无力单独提供可以产生如此正作用的物品；另一方面,农户虽然非常需要农业保险产品来对抗农业风险弥补损失,但是单纯由市场定价的产品价位超出了农户可以接受的水平,综合这供给和需求两方面的因素,农业保险存在明显的市场失灵现象,如果想要得到发展就需要政府的支持。我国自从正式实施对于农业保险的保费给予财政补贴以来,从补贴范围的扩大、补贴险种的增加到补贴力度的提升,都显示了政府对农业保险的重视。而补贴的不断发展也刺激了农户的投保的热情,从实证的角度构建面板数据回归模型,选取中央财政补贴额度和保费收入为指标,进一步量化分析也可以发现由于中央财政的补贴,农户投保热情被激发,农业保险发展迅速。尽管如此,农业保险的财政补贴也存在一些问题,影响补贴效率,进一步发展应总结问题并做出改进,这样有助于推动政策性农业保险的发展,促进经济社会的和谐发展。
[Abstract]:Agriculture is the source of human food and clothing, the root of survival, whether from the economic point of view, social perspective or political perspective, agriculture is the basis, the development of agriculture is related to the development of the national economy, the stability of society and the independence of the nation.The development of agriculture will be impacted by various complex risks. Agricultural insurance is an effective means to manage agricultural risks and stabilize agricultural development.The study of agricultural insurance has positive significance for promoting social welfare.Because of the special attribute of agricultural insurance, its development can not be separated from the support of the government.The most important way to support agricultural insurance in China is to implement financial subsidies.Agricultural insurance has the attribute of quasi-public goods. Farmers will get certain insurance indemnity when there is a risk in agricultural production. Insurance against agricultural insurance can not only solve the worries of production, but also stimulate the enthusiasm of production.Increasing production and income is conducive to the healthy development of agriculture.Agriculture is also a very important link in the national economy, so the development of agricultural insurance has a series of positive effects, but the private sector is unable to provide such positive goods alone; on the other hand,Although farmers badly need agricultural insurance products to counter agricultural risks to compensate for losses, the price of products priced solely by the market exceeds the level that farmers can accept, combining these supply and demand factors.Agricultural insurance exists obvious market failure phenomenon, if want to get development, need government support.Since the formal implementation of the financial subsidy for the insurance premium of agricultural insurance, the government has attached great importance to agricultural insurance from the expansion of subsidy scope and the increase of subsidy coverage to the enhancement of subsidy intensity.The continuous development of subsidies also stimulates the enthusiasm of farmers to insure, from the perspective of empirical panel data regression model, select the central financial subsidies and premium income as indicators.Further quantitative analysis also shows that farmers' enthusiasm for insurance is stimulated and agricultural insurance develops rapidly because of subsidies from central finance.However, there are some problems in the financial subsidy of agricultural insurance, which affect the efficiency of subsidy, and further development should be summarized and improved, which will help to promote the development of policy-oriented agricultural insurance and promote the harmonious development of economy and society.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66;F812.8

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