中国农业保险发展对策研究

发布时间：2018-01-24 16:50

本文关键词： 政策性农业保险发展模式农业风险风险分散　出处：《天津商业大学》2014年硕士论文　论文类型：学位论文

【摘要】：农业是国民经济的基础产业，发展好坏直接关系到国计民生。而相对其他行业不论从风险数量、管理难度上都处于较高水平，而需要应对这些风险的人群却是知识层次相对低、应对方法相对贫乏的农民，因此发展利用农业保险来管理和分散农业风险是尤为重要的。本文首先梳理回顾了我国农业保险发展历程以及农业保险试点进展，通过对试点情况的梳理，归纳总结我国农业保险存在的问题。接着以一定顺序重点分析介绍发达国家和发展中国家的农业保险实践成功案例，概括各国农业保险发展的基本特征和差异，通过对比分析国内外农业保险发展机制和模式，揭示我国农业保险发展困境的内在原因，并在此基础上提出我国农业保险发展建议。本文主要研究结论：第一，通过梳理我国各地农业保险试点情况（主要包括上海、新疆、吉林、浙江、四川），结合相关公共品理论，以农业保险准公共品的性质为出发点，梳理发现各地发展模式实质分为政府主导、市场主导、政府市场联合主导三种模式，而准公共品是需要政府和市场共同提供，，提出今后的农业保险试点实践，可以跳出固定模式的限制，而以各地不同的资源禀赋配比不同权重的政府及市场力量，这样可以更好的贴合各地实际。第二，归纳总结我国农业保险现在仍然存在的问题和障碍，由于在试点的基础上农业保险发展仍然存在这些问题，所以可能我国农业保险发展的问题并非是单纯的发展模式的问题，因此我们比对了不同禀赋的国家农业发展成功经验。如美国这种有未来农业发展代表性特征的发达国家，发展农业保险经验；同属于亚洲，有着共同的农业特征，农户多、发展分散等，但属于发达国家的日本，也有同属亚洲，同属发展中国家的菲律宾。我们将这些国家发展经验的关注重点，跳脱出模式的框架，重点考察相关的各项制度，并在此基础上提出政策建议。
[Abstract]:Agriculture is the basic industry of the national economy, the development quality is directly related to the national economy and people's livelihood. Compared with other industries, both in terms of the number of risks, management difficulties are at a higher level. However, the people who need to deal with these risks are farmers with relatively low level of knowledge and poor coping methods, so it is particularly important to develop and use agricultural insurance to manage and disperse agricultural risks. Firstly, this paper reviews the development of agricultural insurance in China and the progress of agricultural insurance pilot, through the combing of the pilot situation. The problems of agricultural insurance in China are summarized. Then the successful cases of agricultural insurance practice in developed and developing countries are analyzed in a certain order, and the basic characteristics and differences of agricultural insurance development in different countries are summarized. Based on the comparative analysis of the development mechanism and mode of agricultural insurance at home and abroad, this paper reveals the internal causes of the predicament of agricultural insurance development in China, and puts forward some suggestions for the development of agricultural insurance in China. The main conclusions of this paper are as follows: First, through combing the pilot situation of agricultural insurance in various parts of our country (including Shanghai, Xinjiang, Jilin, Zhejiang, Sichuan), combining with the theory of related public goods, taking the nature of quasi-public goods of agricultural insurance as the starting point. Combing and finding that the development model of various regions is essentially divided into three modes: government leading, market leading, government market leading, and quasi-public goods need to be provided by the government and the market together, and put forward the agricultural insurance pilot practice in the future. The government and market forces with different resource endowments and different weights can jump out of the restriction of fixed mode, which can better match the reality of different places. Second, summarize the problems and obstacles that still exist in China's agricultural insurance, because of the development of agricultural insurance on the basis of the pilot there are still these problems. So perhaps the development of agricultural insurance in China is not a simple development model of the problem. Therefore, we compare the successful experiences of agricultural development in countries with different endowments, such as the United States, which has the representative characteristics of agricultural development in the future, and the experience of developing agricultural insurance; Both belong to Asia and share the same characteristics of agriculture, many farmers, scattered development and so on, but Japan, which belongs to the developed countries, also belongs to Asia. The Philippines, which is also a developing country, will focus on the development experience of these countries, jump out of the framework of the model, focus on the relevant systems, and put forward policy recommendations on this basis.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66

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