农业保险发展水平区域差异化问题研究

发布时间：2018-04-11 15:03

本文选题：农业保险 + 农业保险发展水平　；参考：《上海师范大学》2016年硕士论文

【摘要】：农业保险可以有效地转移农业风险,分摊经济损失,保障农户的经济利益,从而保证农户的生产积极性,以推动农业的发展。目前我国农业保险发展水平与发达国家相比,仍具有一定的差距,并且各区域的农业保险发展存在很大差异。在这种情况下,对农业保险发展水平进行区域差异化研究并在此基础上提出针对性建议对提高农业保险发展水平的意义重大。本文主要围绕区域角度展开对农业保险发展水平的研究。首先,运用熵值法对农业保险发展水平做出综合评价,得出农业保险发展水平区域差异化的特征。在此,本文选取了农业保险保费收入、农业保险深度、农业保险密度以及农业保险保费的增长率这四个指标,运用熵值法得出农业保险发展水平的综合值,然后把这个综合值放在区域视角下来分析农业保险发展水平的特点。其次,从需求和供给角度分析农业保险发展水平的影响因素并通过数据说明这些因素在不同地区存在很大的差异性。最后,运用面板数据模型进行实证检验,得出影响农业保险发展水平的主要影响因素有:农业风险、农村居民人均纯收入、收入结构、政府支农力度、农业规模、保险公司规模。通过以上分析得出,本文得出以下结论:农业保险发展水平呈现区域差异化的特征,是因为农业保险发展水平的影响因素在各区域所表现出的差异性而导致的。基于此,本文认为提高农业保险发展水平的措施要进行区域划分,各地区须根据农业保险发展水平影响因素在本地区的特点有针对性地提出措施。东部地区要积极引导农户从事经济价值较高的农业生产以及发展农业深加工行业,鼓励开发高经济价值的农业保险创新产品;中部地区要加强农户购买农业保险的保费补贴,对农业保险给予税收上更大的优惠政策;西部地区要政府设立农业巨灾保障基金,为特殊情况下的农业保险提供保底方案,加强基础教育设施建设,重点培养农户的农业生产技能;东北地区则鼓励保险公司到东北地区开设分公司,积极培育农业再保险市场,多方面支持在当地建立分公司的保险公司参与政府建设项目。
[Abstract]:Agricultural insurance can effectively transfer agricultural risks, share economic losses, protect the economic interests of farmers, and thus ensure the enthusiasm of farmers to promote the development of agriculture.Compared with the developed countries, there is still a certain gap in the development level of agricultural insurance in China, and there are great differences in the development of agricultural insurance in different regions.In this case, it is of great significance to study the regional differentiation of the development level of agricultural insurance and put forward targeted suggestions to improve the development level of agricultural insurance.This paper focuses on the regional perspective of agricultural insurance development level research.Firstly, the development level of agricultural insurance is evaluated synthetically by entropy method, and the characteristics of regional differentiation of agricultural insurance development level are obtained.In this paper, we select the four indexes of agricultural insurance premium income, agricultural insurance depth, agricultural insurance density and the growth rate of agricultural insurance premium, and use entropy method to obtain the comprehensive value of agricultural insurance development level.Then put this comprehensive value in the regional perspective to analyze the characteristics of the level of agricultural insurance development.Secondly, the factors affecting the development level of agricultural insurance are analyzed from the point of view of demand and supply, and the data show that these factors are very different in different regions.Finally, using panel data model to empirical test, the main factors that affect the level of agricultural insurance development are: agricultural risk, per capita net income of rural residents, income structure, government support for agriculture, agricultural scale,The size of an insurance company.Through the above analysis, this paper draws the following conclusion: the development level of agricultural insurance presents the characteristics of regional differentiation, which is caused by the difference of the influencing factors of the development level of agricultural insurance in different regions.Based on this, this paper holds that the measures to improve the development level of agricultural insurance should be divided into regions, and the measures should be put forward according to the characteristics of the factors affecting the development level of agricultural insurance in this area.The eastern region should actively guide farmers to engage in agricultural production of relatively high economic value and develop agricultural deep processing industries, encourage the development of innovative agricultural insurance products of high economic value, and strengthen premium subsidies for farmers to purchase agricultural insurance in the central region.In the western region, the government should set up a fund for the protection of agricultural catastrophe, provide a plan to protect agricultural insurance under special circumstances, and strengthen the construction of basic education facilities.The northeast region encourages insurance companies to open branches in Northeast China, actively cultivate the agricultural reinsurance market, and support local insurance companies to participate in government construction projects.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.66

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