云南省农业保险财政补贴问题研究

发布时间：2018-04-17 05:24

本文选题：农业保险 + 财政补贴　；参考：《云南师范大学》2013年硕士论文

【摘要】：云南省是一个西部地区的农业大省，拥有农民2926.8万人，占全省人口63%。改革开放30多年来，基本实现了“农业结构稳步调整，农村经济稳步发展，农民收入稳步增加。”但是，云南省又是我国农业自然灾害最为严重的省份之一。频繁的自然灾害，使承受灾害损失能力脆弱的农民因灾致贫，，因灾返贫。农业稳，天下安。农业保险是市场经济国家扶持农业发展的通行做法。开展农业保险，可以分散生产风险和弥补大幅减产所造成的损失来稳定农业生产和农民收入，从而受到广泛的重视。本文通过对云南省农业保险运行过程中存在的问题进行全面系统的研究分析，探索发展适合云南省具体省情农业保险的对策建议，对提高农业保险的服务质量，稳定和保障农业发展，增加农民收入，振兴农村经济，全面建设和谐社会具有重要的现实意义。本文首先对相关农业保险理论进行总结和梳理，借鉴国内外学术界有关农业保险研究的最新成果，从宏观层面上，对云南省农业保险的运行现状和现存问题进行剖析，然后建立经济模型，从实证的角度来分析影响云南省保险发展的因素，回归结果发现农民人均收入、赔付率和保险政策三个因素是影响云南省农业保险发展的主要因素。在分析了财政补贴农业保险的可行性的基础上，结合国内外农业保险经营与发展的成功经验的基础上，结合省内实际情况，根据实证分析的结果，提出了相应的促进云南省农业保险市场发展的对策和建议,包括确定补贴对象；扩大农业保险的经营范围；建立完善的补贴标准；扩大资金来源；增加农民收入，扩大有效需求；完善政策性农业保险的相关法律法规；增强农民的参保意识，保证农险的参与率；确保政府在农业保险中的主导地位。
[Abstract]:Yunnan Province is a large agricultural province in the western region, with 29.268 million farmers, accounting for the province's population of 63.Over 30 years of reform and opening up, we have basically realized "steady readjustment of agricultural structure, steady development of rural economy and steady increase of peasants' income."However, Yunnan Province is one of the most serious agricultural natural disasters in China.Frequent natural disasters make the farmers with weak ability to bear disaster losses become poor and return to poverty because of disasters.Agriculture is stable and the world is safe.Agricultural insurance is the common practice of supporting agricultural development in market economy countries.Agricultural insurance can spread the production risk and make up for the loss caused by a large reduction in production to stabilize agricultural production and farmers' income, thus receiving extensive attention.Through the comprehensive and systematic research and analysis of the problems existing in the operation of agricultural insurance in Yunnan Province, this paper explores the countermeasures and suggestions for the development of agricultural insurance suitable for the specific situation of Yunnan Province, and improves the service quality of agricultural insurance.It is of great practical significance to stabilize and ensure the development of agriculture, to increase farmers' income, to revitalize the rural economy and to build a harmonious society in an all-round way.This paper summarizes and combs the relevant agricultural insurance theories, draws lessons from the latest achievements of the domestic and foreign academic circles on the agricultural insurance research, from the macroscopic level, carries on the analysis to the Yunnan Province agricultural insurance operation present situation and the extant question.Then the economic model is established to analyze the factors affecting the development of Yunnan insurance from the perspective of empirical analysis. The regression results show that the farmers' per capita income, compensation rate and insurance policy are the main factors affecting the development of agricultural insurance in Yunnan Province.On the basis of analyzing the feasibility of subsidized agricultural insurance, combining the successful experience of agricultural insurance management and development at home and abroad, combining with the actual situation in the province, according to the results of empirical analysis,The corresponding countermeasures and suggestions to promote the development of the agricultural insurance market in Yunnan Province are put forward, including the determination of subsidy object, the expansion of the scope of agricultural insurance, the establishment of perfect subsidy standards, the expansion of the source of funds, and the increase of farmers' income.Expand effective demand; improve the relevant laws and regulations of policy-oriented agricultural insurance; enhance farmers' consciousness of participating in insurance and ensure the participation rate of agricultural insurance; ensure the leading position of the government in agricultural insurance.
【学位授予单位】：云南师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F812.7;F842.66

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