我国农业保险发展面临障碍及发展对策研究

发布时间：2018-02-12 21:02

本文关键词： 农业保险障碍对策　出处：《湖南农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：农业保险正式在我国开展的时间并不长,但其对农业经济的发展所起的促进作用已得到各界的认可,最近几年尽管我国农业保险得到了快速发展,但与发达国家相比尚存在一定的不足,找到影响我国农业保险发展的主要障碍,并提出相应的解决对策对于促进我国农业保险发展具有很强的现实指导意义。本文首先详细阐述了研究的背景,明确了研究目的,并对研究意义进行了分析,在对国内外研究动态进行详细梳理的情况下确定了本文的研究思路和基本研究方法。接着对农业保险基本理论进行了概述,随后在对我国农业保险发展现状及目前影响农业保险发展的主要障碍进行深入分析的基础上,提出了促进我国农业保险发展的对策,全文共分四大部分,各部分主要内容及观点如下：第一大部分：对农业保险基本理论进行概述,阐述了农业保险的定义及农业保险的分类,并对农业保险的特性进行了深刻分析,并明确了在现阶段下农业保险所具有的基本功能。第二大部分：对我国农业保险的发展现状分别从农业保险运行模式现状及农业保险经营现状两个方面进行了深入分析,通过分析可以看到,目前我国农业保险有四种主要的经营模式,即专业农业保险公司经营模式、政府主导下的商业保险经营模式、共保经营模式和互助合作经营模式。同时目前我国农业保险经营规模逐渐扩大,保险覆盖面不断扩大,财政补贴力度不断加强,参保人数不断增加,农业保险得到了快速发展。第三大部分：对目前影响我国农业保险健康发展的主要障碍进行了深刻分析,这是本文研究的重点章节,从利益相关者的角度来看,来自政府主体方面的障碍主要表现在保险补贴品种不能满足实际需求、补贴层级过广、补贴随意性大、监管体系不完善、相关法律制度缺失等方面；来自承保机构方面的障碍主要表现在查勘定损、理赔服务有待提升、保险品种有待进一步改革、承保金额过低、专业技术人才缺乏、基层服务体系不够完善等方面；来自投保户方面的障碍主要表现在务农收入比重逐年下降,农业保险吸引力有限、务农农民受教育水平有限,对农业保险理解不够等方面。第四大部分：在第三大部分对影响我国农业保险发展的主要障碍进行深入分析的基础上,有针对性地从完善监管体系、完善补贴政策、规范并提升经营机构服务水平、提高农户参保需求等方面提出了促进我国农业保险发展的相关建议。
[Abstract]:Agricultural insurance has not been officially developed in China for a long time, but its role in promoting the development of agricultural economy has been recognized by all walks of life. In recent years, despite the rapid development of agricultural insurance in China, However, compared with the developed countries, there are still some shortcomings, to find out the main obstacles to the development of agricultural insurance in China. And put forward the corresponding solutions to promote the development of agricultural insurance in China has a strong practical significance. Firstly, this paper elaborated the background of the research, clear the purpose of the study, and analyzed the significance of the research. The research ideas and basic research methods of this paper are determined by combing the research trends at home and abroad in detail, and then the basic theory of agricultural insurance is summarized. Then, on the basis of deeply analyzing the current situation of agricultural insurance development and the main obstacles affecting the development of agricultural insurance in China, the paper puts forward the countermeasures to promote the development of agricultural insurance in China. The full text is divided into four parts. The main contents and viewpoints of each part are as follows: the first part: the basic theory of agricultural insurance is summarized, the definition and classification of agricultural insurance are expounded, and the characteristics of agricultural insurance are deeply analyzed. The second part: the development situation of agricultural insurance in China is analyzed from two aspects: the current situation of agricultural insurance operation mode and the current situation of agricultural insurance management. Through analysis, we can see that there are four main modes of operation of agricultural insurance in our country, namely, the management mode of specialized agricultural insurance companies and the commercial insurance business mode under the guidance of the government. At the same time, at the same time, the scale of agricultural insurance in China is gradually expanding, the coverage of insurance is constantly expanding, the intensity of financial subsidies is constantly being strengthened, and the number of people participating in the insurance is increasing. Agricultural insurance has developed rapidly. The third part: the main obstacles affecting the healthy development of agricultural insurance in China are deeply analyzed, which is the key chapter of this paper, from the perspective of stakeholders, The main obstacles from the government are that the varieties of insurance subsidies can not meet the actual needs, the subsidy levels are too wide, the subsidies are arbitrary, the regulatory system is not perfect, and the relevant legal system is missing. The obstacles from the underwriting institutions are mainly reflected in the following aspects: the investigation and determination of damage, the improvement of claim service, the further reform of insurance varieties, the low underwriting amount, the lack of professional and technical personnel, the imperfect service system at the grass-roots level, and so on; The main obstacles from the insured households are that the proportion of agricultural income is declining year by year, the attraction of agricultural insurance is limited, and the education level of farmers is limited. 4th: on the basis of in-depth analysis of the main obstacles affecting the development of agricultural insurance in China, the third part is focused on perfecting the supervision system and subsidy policy. Some suggestions are put forward to promote the development of agricultural insurance in China from the aspects of standardizing and improving the service level of management institutions and raising the demand of farmers to participate in insurance.
【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66

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