安华政策性农业保险业务运作模式优化研究

发布时间：2018-03-30 15:34

本文选题：农业保险　切入点：安华政策性农业保险　出处：《长春工业大学》2014年硕士论文

【摘要】：农业是立国之本,是国民经济中的基础产业和战略产业。但是农业也是一个弱质产业,因为农业经常会面临各种自然灾害并且农业本身抵御风险的能力较弱。为了提高农业抵御风险的能力、保障农业的顺利发展,农业保险成为一种重要手段,并很快成为发展农业的三大支柱之一,农业保险能够有效的转移农业遭受灾害时所造成的损失,以此来保证农业的再生产能力,因此农业保险对于农村和农业的发展有着举足轻重的作用,由于我国人口基数大,我国本身就是传统的农业大国,农业的发展直接关系国家的发展,因此我国农业对于农业保险的需求更为强烈,农业保险制度的建立是一种客观需求,由于农业本身的特殊性,决定了农业保险的属性的特殊,在我国开展的农业保险属于政策性农业保险,而安华农业保险公司是在我国开展农业保险的大型专业保险公司,它的业务范围覆盖面比较广,因此安华保险公司农业保险业务的开展能够有效的带动我国农业保险的发展,安华农业保险业务模式的优劣将会关系到东北等地区农业的发展,因此本文通过对安华农业保险的业务运作模式进行研究,分析其在运作效率、理赔模式和保费分摊模式方面的优化。本文首先介绍了政策性农业保险的重要性,同时分析了国内外农业保险的发展状况及相关研究,然后运用数据包络分析方法,通过对全国主要农业保险经营机构的研究,指出了安华政策性农业保险运作模式下存在的缺陷,并进行运作模式的优化,最后提出了相关的政策建议。
[Abstract]:Agriculture is the foundation of the nation, the basic industry and strategic industry in the national economy. But agriculture is also a weak industry. In order to improve the ability of agriculture to resist risks and ensure the smooth development of agriculture, agricultural insurance has become an important means. And soon became one of the three pillars of the development of agriculture, agricultural insurance can effectively transfer the losses caused by disasters in agriculture, in order to ensure the ability of agricultural reproduction. Therefore, agricultural insurance plays an important role in the development of rural areas and agriculture. Because of the large population base in China, China itself is a traditional agricultural country, and the development of agriculture is directly related to the development of the country. Therefore, the demand for agricultural insurance in our country is more intense. The establishment of agricultural insurance system is an objective demand. Because of the particularity of agriculture itself, it determines the special attribute of agricultural insurance. Agricultural insurance in China belongs to policy-oriented agricultural insurance, while Anhua Agricultural Insurance Company is a large specialized insurance company in our country. Its business coverage is relatively wide. Therefore, the development of agricultural insurance business of Anhua Insurance Company can effectively promote the development of agricultural insurance in China. The merits and demerits of Anhua agricultural insurance business model will be related to the development of agriculture in Northeast China and other regions. Therefore, this paper studies the operational mode of Anhua agricultural insurance, and analyzes the optimization of its operation efficiency, claim mode and premium allocation mode. Firstly, this paper introduces the importance of policy-oriented agricultural insurance. At the same time, it analyzes the development situation and related research of agricultural insurance at home and abroad, and then applies the method of data envelopment analysis to study the main agricultural insurance management institutions in China. This paper points out the shortcomings of Anhua policy agricultural insurance operation mode, optimizes the operation mode, and finally puts forward some relevant policy suggestions.
【学位授予单位】：长春工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66

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