政策性农业保险各主体利益协同研究

发布时间：2018-03-07 04:13

本文选题：政策性农业保险　切入点：利益协同　出处：《湖南农业大学》2013年博士论文　论文类型：学位论文

【摘要】：全球生态环境的恶化导致自然灾害发生的频率和强度加剧,农业生产风险增大并且集中化,灾害事故的破坏力和经济损失越来越大。从2004年到2013年(除2011年外),9个中央“一号文件”都提出了要大力发展政策性农业保险。然而,农业保险的特殊性(农业风险的弱可保性、农业保险标的的脆弱性、农业保险产品的准公共物品性等)和各主体参与保险的目的不同等因素造成了农业保险三大主体潜在利益的冲突,而有效的利益协同机制的缺失导致主体间的潜在冲突现实化。政策性农业保险各主体共同形成一个开放的协同系统,单个主体为其子系统,在自组织过程中,通过子系统之间的协同,能够逐渐从无序演进到有序、从低级有序演进到高级有序,形成政策性农业保险健康、可持续发展的局面。政策性农业保险各主体利益协同是农业保险可持续发展的关键,是促进政策性农业保险的“内生式”发展道路,协同的根本联结点是利益。本研究首次将协同学理论和保险学理论相结合,通过定性描述和定量分析,对我国政策性农业保险各主体利益协同进行了研究。本研究分为三大部分：第一部分即第一章和第二章,主要阐述研究的目的与意义、国内外研究动态、研究的思路与方法、主要内容与研究创新和研究的理论基础。第二部分由第三章到第五章组成。这一部分分别从协同度的评价和协同效应的分析两方面对政策性农业保险各主体利益协同进行了现实评价。首先,通过构建SAR模型评价政策性农业保险各主体利益协同度。经过测算,我国政策性农业保险系统历年的协同度都比较低。这揭示了我国政策性农业保险系统各子系统在特定时间段内的关联并不强,表明在该时间段内我国政策性农业保险系统在宏观上仍处于低有序的发展状态中。其次,基于农业保险各主体利益协同演化的历程和实例对政策性农业保险各主体利益协同效应进行分析。本研究认为,农业保险系统的演进同样是周期性成长、螺旋式上升,与协同效应的演化规律相符合,在大的演化规律中包含了小的演化规律。并以农业大省湖南省为例,对样本采用描述方法和构建Logistic模型来分析政策性农业保险系统各主体利益的协同效应。同时,探析了政策性农业保险各主体利益协同动力,揭示了驱动政策性农业保险各主体利益协同演进的各种力量。第三部分由第六章到第七章组成。这一部分主要从三个方面对政策性农业保险各主体利益协同机制的完善提出建议：一是激励机制的完善,即各主体在追求自身利益的同时也能达到政策性农业保险系统稳健发展目标,这主要通过政策性农业保险合同的合理设计来实现；二是保障机制的完善,即如何保持各主体的目标行为与整个系统的发展方向相符,这主要通过政策性农业保险产品的创新来实现;三是效率机制的完善,即如何提高各主体的行动效率,这主要通过双到户模式的采用与智能系统的引入来实现。政策性农业保险各主体利益协同机制的完善,有助于政策性农业保险的长期稳定健康发展。
[Abstract]:The deterioration of the global ecological environment resulting in increased frequency and intensity of natural disasters, agricultural production and increase the risk of centralized, destructive disasters and accidents and economic loss is growing. From 2004 to 2013 (except 2011) 9, the Central Committee has proposed to vigorously develop the agricultural insurance policy. However, the particularity of agricultural insurance (weak insurability of the agricultural risk of agricultural insurance vulnerability, the quasi public goods of agricultural insurance products and insurance etc.) the main purpose of participation in different factors caused the potential conflicts of interest are the three bodies of agricultural insurance, and lack of effective interest coordination mechanism led to the reality of the potential conflict between subjects. The main agricultural insurance policy coordination together form an open system, a single body is the subsystem in the self-organization process, through cooperation between subsystems, Can gradually from disorder to orderly evolution, from low to high order orderly evolution, the formation of policy agricultural insurance, the sustainable development of the agricultural insurance policy situation. The main interests of the cooperative is the key to the sustainable development of agricultural insurance, is to promote the endogenous agricultural insurance policy "" development, collaborative fundamental connection is of interest.
This study combines the synergetics theory with the insurance theory for the first time. Through qualitative description and quantitative analysis, we study the interest synergy of all the main body of the policy agricultural insurance in China. The research is divided into three parts.
The first part is the first and second chapters. It mainly expounds the purpose and significance of the research, the research trend at home and abroad, the train of thought and method, the main contents, and the theoretical foundation of research innovation and research.
The second part from the third chapter to the fifth chapter. This part analyzes respectively from the evaluation of synergy and synergy of the two aspects of the policy agricultural insurance interests are collaborative realistic evaluation. Firstly, by constructing a SAR model to evaluate the policy agricultural insurance interest coordination. Through calculation, the synergy degree of our country the policy agricultural insurance system over the years are relatively low. This reveals China's agricultural insurance policy system of each subsystem associated within a certain period of time is not strong, that in the period of China's agricultural insurance policy system in the macro development is still in the state of low order. Secondly, process and examples the co evolution of agricultural insurance based on the interests of policy agricultural insurance interest synergy were analyzed. This study suggests that the evolution of agricultural insurance system is also a cyclical growth. Rising, evolution and the synergistic effect is consistent with that of in the evolution of the evolution contains small. And the major agricultural province of Hunan Province as an example, the sample by synergy description method and Logistic model to analyze the policy agricultural insurance system in the interests of the subject. At the same time, on the the main policy agricultural insurance interests of the cooperative power, reveals the driving force of agricultural insurance policy the main interests of the cooperative evolution.
The third part from the sixth chapter to the seventh chapter. This part mainly from three aspects to improve the agricultural insurance policy interest coordination mechanism and puts forward some suggestions: one is to improve the incentive mechanism, the main body can also achieve the goal of steady development of policy agricultural insurance system in the pursuit of their own interests at the same time, the main through the reasonable design of policy agricultural insurance contract to implement; two is safeguard mechanism, namely how to maintain the development direction of the main body of the target behavior and the whole system is consistent, mainly through policy agricultural insurance product innovation is realized; the three is to improve the efficiency of the mechanism, which is how to improve the efficiency of action this is mainly through to the double, and the introduction of intelligent systems to achieve the user mode. The main policy agricultural insurance interests coordination mechanism, to help the agricultural insurance policy long The period is stable and healthy development.

【学位授予单位】：湖南农业大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F842.66

【参考文献】