温州市农业保险补贴现状与对策研究

发布时间：2018-03-14 01:15

本文选题：农业保险　切入点：财政补贴　出处：《南京农业大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着农业现代化发展步伐的加快,农业保险作为保障农业平稳发展的金融配套行业,正日益受到人们的重视。我国农业保险事业起步较晚,但是发展速度极快,在短短几年间就实现了全国范围内的基本全覆盖。2012年11月12日,《农业保险条例》正式颁布,标志着我国农业保险事业具备了统一的法律规制框架,使我国农业保险进入了新的发展阶段,并且逐步成为支撑我国农业发展的重要力量之一。温州市是我国东南沿海经济较为发达的地区,也是浙江省农业保险事业发展的示范城市之一。得益于温州市各级政府的重视,温州农业保险事业发展的各项关键指标均连续多年名列浙江省前列。在多年的工作实践中,温州农业保险取得了许多成绩,但也存在一些问题,为此本文通过分析温州农业保险补贴现状,了解温州市农业保险中存在的问题,为温州市顺利开展农业保险提供有力的理论支持,同时也为我国农业保险今后的发展提供借鉴,为我国农业保险实现更好更快的发展奠定基础。本文采用统计数据调查和对四个县进行问卷调查,对温州市11个县市的农业保险补贴政策进行了研究,主要结果如下：1、温州市农业保险补贴发展现状：①农业保险补贴类型：政府部分补贴险种、政府全额补贴险种、政府引导性补贴险种；②内容涵盖全面。农业保险品种覆盖了种植业、养殖业和林业三个大类,19个品种；③创新能力突出。提出农村住房保险、农户家庭室内财产保险及人身意外保险和农业巨灾风险保障准备金制度。④政府引导到位。参保对象覆盖比例提高,并对覆盖面、参保品种和标准要求方面做出了许多新的规定。提出城乡统筹综合配套改革、地方金融创新改革等措施；⑤补贴标准较高。财政专项资金对水稻补贴80%,其他保险对象补贴40%,公益林保险的补贴达到了100%。2、温州市农业保险补贴存在的四个方面问题：①思想认识与现实发展的问题；②保费与理赔额之间的问题；③民众受益与保险公司亏损之间的问题；④政府调控与市场运营之间的问题。3、针对存在的问题,提出了温州市农业保险补贴的优化对策措施：①转变思想认识、完善定价机制、完善农业保险金融市场和加快财政补贴信息化等；②完善定价机制主要包括评估机制、决策流程和地方权限等方面,主要针对现有定价机制的缺陷进行分析,从根源上解决财政补贴在数额上的不合理问题；③扶持农业保险金融市场主要包括发展多种形式的农业保险、建立第三方服务机构和扩大补助范围等,旨在拓宽财政补贴的范围,提高财政补贴的效率；④财政补贴信息化建设,主要是将财政补贴的相关内容和知识向社会传递,实现农业保险参与各方的理性化。
[Abstract]:With the rapid development of agricultural modernization, agricultural insurance, as a financial supporting industry to ensure the smooth development of agriculture, is being paid more and more attention. In just a few years, the basic full coverage of the whole country has been realized. In November 12th 2012, the Agricultural Insurance regulations were formally promulgated, indicating that China's agricultural insurance industry has a unified legal regulatory framework. The agricultural insurance of our country has entered a new stage of development, and has gradually become one of the important forces supporting the development of agriculture in our country. It is also one of the demonstration cities for the development of agricultural insurance in Zhejiang Province. Thanks to the attention of the governments at all levels in Wenzhou City, the key indicators for the development of Wenzhou's agricultural insurance industry have been among the leading cities in Zhejiang Province for many years. Wenzhou agricultural insurance has made a lot of achievements, but there are also some problems, so this paper analyzes the current situation of Wenzhou agricultural insurance subsidy, to understand the existing problems in Wenzhou agricultural insurance. To provide strong theoretical support for the smooth development of agricultural insurance in Wenzhou City, and also to provide reference for the future development of agricultural insurance in China. This paper studies the subsidy policy of agricultural insurance in 11 counties of Wenzhou by means of statistical data survey and questionnaire survey of four counties. The main results are as follows: 1. The current situation of the development of agricultural insurance subsidies in Wenzhou is as follows: 1. The types of agricultural insurance subsidies: the government partially subsidizes the types of insurance, and the government subsidizes the types of insurance in full. Agricultural insurance varieties cover three broad categories: planting, breeding and forestry, and 19 varieties have outstanding innovative ability. Rural housing insurance is put forward. Household household indoor property insurance, personal accident insurance and agricultural catastrophe risk protection reserve system .4 government guidance is in place. The coverage ratio of the insured objects is increased, and the coverage is increased. Many new regulations have been made with regard to the variety and standard requirements of the insured, and a comprehensive reform of urban and rural areas has been proposed. Local financial innovation reform and other measures such as high subsidy standard. The financial special fund subsidies to rice 80, other insurance objects subsidies 40, the subsidies of public welfare forest insurance reached 100. 2, Wenzhou agricultural insurance subsidies exist in four aspects. The problem between the Insurance premium and the amount of compensation; the problem between the people's benefit and the loss of the Insurance Company; the fourth, the problem between government regulation and the operation of the market. In view of the existing problems, This paper puts forward the optimization countermeasures of agricultural insurance subsidy in Wenzhou City, such as changing the thought of "1", perfecting the pricing mechanism, perfecting the agricultural insurance financial market and speeding up the informatization of financial subsidy, and so on. In the aspects of decision-making process and local authority, the defects of the existing pricing mechanism are mainly analyzed. In order to broaden the scope of financial subsidies, we should solve the problem of unreasonable amount of financial subsidies from the root causes. 3. Supporting the agricultural insurance financial market mainly includes the development of various forms of agricultural insurance, the establishment of third-party service organizations and the expansion of the scope of subsidies, and so on, so as to broaden the scope of financial subsidies. To improve the efficiency of financial subsidy the main purpose of the informatization construction of financial subsidy is to transfer the relevant contents and knowledge of the financial subsidy to the society and to realize the rationalization of all parties involved in agricultural insurance.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66;F812.8

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