黑龙江垦区相互制农业保险经营模式研究

发布时间：2018-03-01 21:43

本文关键词： 农业保险效益评价经营模式多层次灰色评价模型　出处：《东北农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：黑龙江垦区作为我国最重要的商品粮基地和粮食战略后备基地,是我国商品粮调出量最大的省份,在保障国家粮食安全和我国农业发展方面具有重大的作用。同时黑龙江垦区地处我国北部边陲,自然灾害种类繁多,发生频率高,危害较大,这对垦区农业的发展产生重大的影响。而农业作为国民经济的基础,关系着经济发展、社会安定和国家自立,同时农业自身的特点也决定其具有弱质性,是投入大、周期长、抵御自然灾害和市场风险能力较差的弱质产业。因此,为了提高农业抵御风险的能力,我们需要大力发展农业保险。木文总共分为六章。首先介绍了本文的相关概念和理论基础。分别介绍了相互制农业保险和相互制农业保险经营模式的相关概念,并比较了相互制农业保险经营模式和我国其他农业保险经营模式的异同,剖析了相互制农业保险经营模式的优势和不足。其次从黑龙江垦区相互制农业保险经营模式的发展历程、运营现状和相关法律政策的建设现状阐述了黑龙江垦区相互制农业保险经营模式的发展现状,在此基础上提出了黑龙江垦区相互制农业保险经营模式存在以下问题：组织结构不规范、不完善的法律法规制约经营模式的发展、“三方筹集”保费的新模式未实施到位、应对巨灾风险的能力缺乏和资金和规模限制。对此,我们有必要借鉴国外发达国家的经验。本文主要分析的是法、日两国及亚洲发展中国家农业相互保险经营模式的经验。在对国外发展农业相互保险经营模式的经验进行比较分析的基础上,总结了国外农业相互保险经营模式的发展给我国带来的一些启示,期望为我国农业相互保险的发展提供经验借鉴,以充分发挥相互保险公司制运用在农业保险中的优势。通过以上分析之后,为了更好的评价黑龙江垦区自2005年实施相互制农业保险经营模式以来的综合效益,木文从经济效益,社会效益,生态效益三个方面选取了12个评价指标,建立了黑龙江垦区相互制农业保险经营模式综合效益评价指标,然后运用多层次灰色评价模型对黑龙江垦区相互制农业保险经营模式的综合效益进行了分析研究,着重评价了黑龙江垦区相互制农业保险经营模式在垦区农业、社会生活各方面产生的经济效益、社会效益和环境效益,结果显示,相互制农业保险实施后,垦区农业保险对农业生产和社会生活产生的经济效益、社会效益和环境效益,综合效益逐年增加。对此提出了针对黑龙江垦区农业相互保险发展的有效对策：要规范相互制农业保险经营模式中的主体行为,建立有效的风险分担机制,完善相互制农业保险财政补贴和相关政策,完善农业相互保险公司的管理机制充分发挥相互制农业保险的作用,推进中国农业保险体系建设。
[Abstract]:As the most important commodity grain base and strategic grain reserve base in China, Heilongjiang Reclamation area is the province with the largest volume of commodity grain transfers in China. At the same time, Heilongjiang Reclamation region is located in the northern border of our country. There are many kinds of natural disasters, high frequency and great harm. This has had a significant impact on the development of agriculture in reclamation areas. As the foundation of the national economy, agriculture is related to economic development, social stability and national self-reliance. At the same time, the characteristics of agriculture itself also determine its weak quality, with a large investment and a long period of time. Therefore, in order to improve the ability of agriculture to resist risks, we need to develop agricultural insurance vigorously. The paper is divided into six chapters. Firstly, the related concepts and theoretical basis of this paper are introduced. The related concepts of mutual agricultural insurance and the management mode of mutual agricultural insurance are introduced respectively. And the similarities and differences between the management mode of mutual agricultural insurance and other agricultural insurance management models in China are compared. The advantages and disadvantages of the management mode of mutual agricultural insurance are analyzed. Secondly, the development course of the management mode of mutual agricultural insurance in Heilongjiang Reclamation area is analyzed. The present situation of operation and the construction of related laws and policies have expounded the present situation of the development of the management mode of mutual system agricultural insurance in Heilongjiang Reclamation area. On this basis, the paper puts forward the following problems in the management mode of mutual system agricultural insurance in Heilongjiang Reclamation area: the organization structure is not standardized, the imperfect laws and regulations restrict the development of the management model, and the new mode of "tripartite raising" premium is not put into effect. The ability to deal with catastrophe risk and the limitation of capital and scale. For this reason, it is necessary for us to learn from the experience of foreign developed countries. The experience of agricultural mutual insurance business model between Japan and Asian developing countries. On the basis of comparative analysis of the experience of foreign countries in developing agricultural mutual insurance business model, This paper summarizes some enlightenment brought to our country by the development of foreign agricultural mutual insurance management mode, and expects to provide experience and reference for the development of agricultural mutual insurance in China, so as to give full play to the advantages of mutual insurance company system in agricultural insurance. After the above analysis, in order to better evaluate the comprehensive benefit of the management mode of mutual system agricultural insurance since 2005, 12 evaluation indexes were selected from three aspects of economic, social and ecological benefits in Heilongjiang Reclamation area. The comprehensive benefit evaluation index of the management mode of mutual agricultural insurance in Heilongjiang reclamation area is established, and the comprehensive benefit of the management mode of mutual system agricultural insurance in Heilongjiang reclamation area is analyzed and studied by using the multi-level grey evaluation model. This paper emphatically evaluates the economic, social and environmental benefits of the management mode of mutual agricultural insurance in agriculture and social life in Heilongjiang Reclamation area. The results show that after the implementation of mutual agricultural insurance, The economic, social and environmental benefits of agricultural insurance for agricultural production and social life in reclamation areas, The comprehensive benefit is increasing year by year. The effective countermeasures for the development of agricultural mutual insurance in Heilongjiang Reclamation area are put forward: standardizing the main body behavior in the management mode of mutual agricultural insurance, establishing an effective risk-sharing mechanism, We will improve the financial subsidies and related policies of mutual agricultural insurance, improve the management mechanism of agricultural mutual insurance companies and give full play to the role of mutual agricultural insurance, and promote the construction of China's agricultural insurance system.
【学位授予单位】：东北农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66

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