盘锦市大洼区种植业保险发展现状研究

发布时间：2018-03-19 01:02

本文选题：种植业保险　切入点：发展现状　出处：《延边大学》2017年硕士论文　论文类型：学位论文

【摘要】：我国是农业大国,在新常态下农业经济在国民经济中的基础性地位越发明显,"三农"问题已成为我国国民经济和社会发展的重中之重。我国自然灾害频发,对农业生产构成重大威胁,迫切需要来自社会的农业风险保障,而种植业保险作为一种市场化、社会化的风险转移和应对机制应运而生。种植业保险是市场经济条件下保护农业、提高农民收入、稳定农村经济的有效途径,是确保国家粮食安全的重要措施,对建设社会主义新农村及和谐社会发挥着积极的作用。本文运用文献资料法、逻辑综合法和访谈法等研究方法,对大洼区种植业保险的发展现状进行研究,旨在为大洼区种植业保险的长效、健康发展进行有益的探讨。本文在内容上,首先以绪论开篇,介绍本文的研究背景与意义、国内外研究现状、研究内容与方法,并就种植业保险的内涵与相关理论展开分析。其次,从大洼区种植业及种植业风险情况、大洼区种植业保险发展成效、种植业保险发展存在的问题及导致这些问题存在的原因等方面分析了大洼区种植业保险发展的现状。结果表明,大洼区种植业保险采取的是政策性农业保险模式,经过多年发展,取得了参保农户规模扩大、低保费和高补贴相结合、保费收入与保险赔付实现双增长、承保机构服务水平提高、地方性种植业保险规章不断完善等成绩。但仍存在种植业保险供需相对不足、保费收缴困难、保障程度低、农户参保积极性不高等问题,究其原因,主要是因为制度层面缺乏健全性、政府支持力度不够、农民认识水平有限、保险经营机构管理经验不足、勘察理赔机制不合理以及宣传力度不足。再次,分析国内外种植业保险发展的成功经验,获得政府广泛支持、有效引导非政府机构积极参与、不断完备规章制度、注重强制与自愿投保的结合、提升经营主体能力等有利于大洼区种植业保险发展的启示。最后,建议通过完善法律与规章制度体系、政府加大扶持力度、提高保险公司经营水平、提高农户参保积极性、提高勘察理赔效率以及提高宣传力度和水平等措施,不断促进大洼区种植业保险的健康发展。
[Abstract]:China is a big agricultural country, and the basic position of agricultural economy in the national economy is becoming more and more obvious under the new normal. The "agriculture, countryside and farmers" problem has become the top priority of the national economy and social development of our country. As a major threat to agricultural production, agricultural risk protection from society is urgently needed. As a kind of marketization, crop insurance is a kind of marketization. The socialized risk transfer and coping mechanism emerges as the times require. Planting insurance is an effective way to protect agriculture, increase farmers' income and stabilize rural economy under the condition of market economy, and is an important measure to ensure national food security. This paper uses the methods of literature, logic synthesis and interview to study the present situation of the development of planting insurance in Dawa area, which plays an active role in the construction of new socialist countryside and harmonious society. The purpose of this paper is to make a beneficial discussion on the long-term effect and healthy development of crop insurance in Dawa region. In this paper, the background and significance of the research, the current research situation at home and abroad, the contents and methods of the research are introduced in the first part of this paper. Secondly, from the situation of planting industry and the risk of planting industry in Dawa area, the development effect of planting insurance in Dawa area is analyzed. The problems existing in the development of planting insurance and the reasons leading to these problems are analyzed in this paper. The results show that the planting insurance in Dawa region adopts the policy mode of agricultural insurance. After many years of development, the scale of participating farmers has been expanded, the combination of low insurance fees and high subsidies, the increase of premium income and insurance indemnity has been realized, and the service level of underwriters has been improved. Local crop insurance regulations have been continuously improved. However, there are still problems such as relatively insufficient supply and demand of insurance for planting industry, difficulty in collecting premiums, low level of protection, low enthusiasm of farmers to participate in insurance, and so on. The reasons are investigated. It is mainly due to the lack of soundness in the system level, insufficient government support, limited understanding of farmers, inadequate management experience of insurance management organizations, unreasonable investigation and settlement mechanism and insufficient publicity. Again, To analyze the successful experiences of the development of crop insurance at home and abroad, to obtain extensive support from the government, to effectively guide the active participation of non-governmental organizations, to constantly complete the rules and regulations, and to pay attention to the combination of compulsory and voluntary insurance. Finally, it is suggested that through perfecting the system of laws and regulations, the government should increase its support, improve the management level of insurance companies, and increase the enthusiasm of farmers to participate in insurance. In order to promote the healthy development of planting insurance in Dawa area, we should improve the efficiency of investigation and claim settlement and improve the propaganda and level.
【学位授予单位】：延边大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66

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