河南省农业保险经营模式与市场拓展研究

发布时间：2018-02-26 22:21

本文关键词： 河南农业保险经营模式　出处：《中南林业科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：农业是一项弱质产业。农业是一个特殊的产业部门,是自然再生产和经济再生产的统一体,因此,农业生产会受到经济因素与自然灾害的影响,特别是自然灾害,对农业生产的影响尤甚。再加上广大农村长期存在的传统小农形式的分散经营方式,农业生产难以抵御自然灾害和市场经济风险的双重影响,所以,必须通过农业保险的制度设计来保障农业生产。河南省作为一个农业大省,对全省农业保险模式的研究,探索出一条适合河南省农业保险健康发展的道路,对于全省新农村建设具有重要的现实意义。然而,在农业保险的经营中,由于农业保险发展的政策环境较差,农户对农业保险的有效需求不足以及农业保险面临有效供给不足的困境,河南省农业保险难以获得长远的发展。针对这些问题,本文剖析现行农业保险制度模式运行中存在的矛盾和问题,借鉴国内外农业保险经营模式的发展方式和经验,采用规范分析与实证分析、定性分析和定量分析相结合的方式,结合公共产品理论、制度变迁理论和国家干预市场机制理论,分析研究河南省农业保险存在的问题和深层次原因：一是农业保险发展的政策环境较差,二是农户对农业保险的有效需求不足,三是农业保险面临有效供给不足的困境。基于此,本文对河南省农业保险经营模式的整体框架予以重构,框架通过制度设计即再保险机制、市场运行机制、风险管理机制、激励约束机制以及信息不对称规避机制来尝试解决。并提出解决问题的对策：(1)加大政府政策扶持力度；(2)健全农业保险法律法规体系；(3)增强保险公司的服务能力和水平；(4)加强农业保险教育宣传工作；(5)构建农业保险发展的保障机制。希望通过本文的研究,能为河南省农业经济的健康、持续发展提供理论支持,能为政策的制定者和实践者提供有效的参考。
[Abstract]:Agriculture is a weak industry. Agriculture is a special industry, unity, natural reproduction and economic reproduction therefore affect agricultural production will be affected by economic factors and natural disasters, especially natural disasters, especially the impact on agricultural production. The traditional form of small-scale decentralized management plus wide the long-term existence of the double impact of agricultural production, it is difficult to resist natural disasters and the risk of market economy so must through the design of the system of agricultural insurance to protect agricultural production.
As a big agricultural province of Henan Province, study of the province's agricultural insurance mode, explore a suitable way for the healthy development of agricultural insurance in Henan Province, has an important practical significance for the construction of new rural areas. However, in the agricultural insurance business, due to poor policy environment for the development of agricultural insurance, farmers lack of effective demand the agricultural insurance and agricultural insurance is faced with the plight of the lack of effective supply of agricultural insurance in Henan Province, it is difficult to obtain long-term development.
To solve these problems, this paper analyzes the contradictions and problems existing in the operation of the agricultural insurance system pattern, referring to the development and experience of agricultural insurance business model at home and abroad, using normative analysis and empirical analysis, qualitative analysis and quantitative analysis methods, combined with the theory of public goods, the theory of institutional change and state intervention theory of the market mechanism. Analysis on the existing problems of agricultural insurance in Henan province and deep-seated reasons: one is the poor policy environment for the development of agricultural insurance, two farmers is lack of effective demand for agricultural insurance, agricultural insurance is facing three effective supply shortage dilemma. Based on this, this paper reconstructs the overall framework of the business model of agricultural insurance in Henan Province, the framework through the design of the system is reinsurance mechanism. The operation of the market mechanism, risk management mechanism, incentive mechanism and regulation mechanism to avoid the information asymmetry Try to solve it. And put forward the countermeasures to solve the problems: (1) increase government policy support; (2) improve the agricultural insurance legal system; (3) enhance the capacity and level of service of the insurance company; (4) strengthen agricultural insurance education; (5) establishing security mechanism for the development of agricultural insurance. I hope through in this paper, for the agricultural economy in Henan Province health and sustainable development to provide theoretical support, can provide effective reference for policy makers and practitioners.

【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

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