我国农村保险信用管理研究

发布时间：2018-03-07 04:12

本文选题：农村　切入点：保险　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】：作为农业大国,我国农民人口数量约8个亿,广阔的农村保险市场可以说还是一块未经过雕琢的璞玉,其商业价值毋庸置疑。近几年来,在经济持续稳定、快速发展的大环境下,保险业更是得到了蓬勃发展,保险的保障范围基本上实现了社会的全覆盖,保险业务在农村更是获得了长足的发展,在保持农村社会的稳定、保障农民基本生活等方面起到了积极的作用。但是我们也应看到,由于我国保险业起步较晚,农村保险更是最近几年才有所发展,农民对保险认识不够、认同不高,对其防范风险的作用不了解,地域发展差异,分散聚居,流动性大等问题仍客观存在,导致农村保险市场发展艰难。本文从农村保险信用入手,通过对农村保险信用状况的研究,总结了目前我国农村保险信用管理存在的问题并提出了解决的对策建议,希望对保障农民生活、提高农民风险防范意识、保持农村生活稳定,充分发挥保险社会稳定器的作用等方面有所帮助。本文主要采用比较、实证相结合的方法,对以下五个方面进行了探讨研究：一是,从信用、保险信用、保险信用管理方面入手,简要介绍了国内外关于研究保险信用的理论,同时对文章的主要内容进行了概述,对本文的创新点及存在的不足做了说明；二是,系统阐述了对农村保险信用管理的研究,重点对我国农村保险信用管理存在的问题做了剖析,并就发展前景做了展望；三是,介绍了美、日、英等国家成熟的保险市场的信用管理经验,通过分析比较发现,这些国家没有就单独农村保险信用进行管理,而是整社会化管理,总结出了其农村保险市场信用管理的一般化特征；四是,就我国农村保险信用管理的现状及存在的问题进行了整理,并对其存在的问题进行了原因分析；五是,对健全农村保险信用管理的必要性和可行性进行了论证,认为农民的生活安定、农业的发展,保险的社会区域全覆盖等方面的实现都要求有健全的农村保险信用管理,并在此基础上提出了健全农村保险信用管理的对策和建议：健全信用法律法规制度、建立全国性的信用体系；建立保险行业自身信用系统、启动声誉评价机制;规范从业人员资质,建立惩戒制度；营造诚信社会大环境,加大农村教育投入；加大对农村经济的扶植力度,切实提高农民的经济收入。
[Abstract]:As a large agricultural country, the population of farmers in China is about 800 million. The vast rural insurance market can be said to be an uncut uncut uncut jade, and its commercial value is beyond doubt. In recent years, the economy has continued to be stable. With the rapid development of the environment, the insurance industry has been flourishing, the insurance coverage has basically realized the full coverage of the society, the insurance business in rural areas has been greatly developed, and the stability of the rural society has been maintained. But we should also see that because the insurance industry in China started relatively late, rural insurance has only developed in recent years, and farmers do not have enough knowledge and recognition of insurance. It is difficult to develop the rural insurance market because of the lack of understanding of the role of risk prevention, the difference of regional development, the scattered and concentrated residence, and the large mobility, etc. This paper starts with the rural insurance credit. Through the study of rural insurance credit situation, this paper summarizes the problems existing in the management of rural insurance credit in our country and puts forward some countermeasures and suggestions, hoping to ensure the farmers' life, improve their awareness of risk prevention, and maintain the stability of rural life. Give full play to the role of social stabilizer insurance and other aspects of help. This paper mainly adopts the method of comparison and demonstration to study the following five aspects: first, from the aspects of credit, insurance credit and insurance credit management, this paper briefly introduces the theory of studying insurance credit at home and abroad. At the same time, the main contents of the article are summarized, and the innovation and shortcomings of this paper are explained. Secondly, the research on rural insurance credit management is systematically expounded. The problems existing in the management of rural insurance credit in China are analyzed, and the development prospects are forecasted. Thirdly, it introduces the credit management experience of the mature insurance markets in the United States, Japan, Britain and other countries, and finds out through analysis and comparison. These countries did not manage the rural insurance credit alone, but managed the whole society, summing up the general characteristics of credit management in the rural insurance market. Fourth, In this paper, the present situation and existing problems of rural insurance credit management in China are sorted out, and the causes of the problems are analyzed. 5, the necessity and feasibility of perfecting rural insurance credit management are demonstrated. It is believed that the realization of farmers' life stability, the development of agriculture and the full coverage of social areas of insurance all require sound rural insurance credit management. On this basis, the author puts forward the countermeasures and suggestions to improve rural insurance credit management: perfecting the credit laws and regulations system, establishing the national credit system, establishing the insurance industry's own credit system, and starting the reputation evaluation mechanism; Standardize the qualification of practitioners, establish a disciplinary system, create a good faith society environment, increase rural education investment, strengthen the support of rural economy, and effectively improve the economic income of farmers.
【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;F323.89

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