基于农户需求视角的陕西苹果保险体系构建研究

发布时间：2018-04-20 22:39

本文选题：农户需求 + 苹果保险　；参考：《西北农林科技大学》2013年硕士论文

【摘要】：陕西省是苹果生产大省，近年来苹果产业已经成为陕西六大支柱产业之一，同时也是果区果农主要的收入来源。但是由于全球气候变化，灾害性天气和其他风险不断增多。苹果保险作为应对苹果生产中面临的众多自然灾害和其他风险的有效手段之一，其合理的体系有助于苹果保险更好地运营。农户作为苹果保险的参保人，，是该体系中的参与主体，农户的需求、农户的利益无疑对苹果保险体系的构建、苹果保险的健康发展有着重大影响。因此，基于农户需求视角的陕西苹果保险体系构建研究有着重要的现实意义。论文基于对陕西省洛川县194户农户的调查资料，采用规范分析与实证分析相结合的方法，对影响其参与苹果保险的因素进行了预测，并运用logistic回归分析模型进行了分析，得出影响农户对苹果保险需求的具体因素。论文认为，政府补贴力度、自然灾害影响程度、家庭年收入及保险公司服务满意度四个因素主要影响了农户对苹果保险的购买需求。而后，论文阐述了国外典型的五个国家农业保险体系的经验，总结出其运行过程中充分考虑农户需求的措施、规定，得出对陕西省苹果保险体系构建的启示。最后，在实证分析和国外农业保险体系启示的基础上，从农户需求视角对陕西苹果保险体系进行了构建。论文构建的陕西省苹果保险体系是由五部分组成的有机整体，包括苹果保险体系运行的外部环境、供给主体、服务对象、发展模式以及服务管理。体系构建中提出的主要建议有：加强农业保险立法，尽快制定和颁布农业保险法；稳定或提高政府对农户参保的保费补贴；提高农户的收入水平，增强其投保能力；增加苹果保险供给主体的数量；根据不同地域农户对农业保险的不同需求，适当调整条款并细化条款；改进或增加服务对象的形式，以专业大户、家庭农场或者苹果种植专业合作社为单位来进行承保和服务；引入再保险机制；提高保险公司对农户的综合服务水平，尤其是理赔金额和效率。
[Abstract]:Shaanxi Province is a big province of apple production. In recent years, apple industry has become one of the six pillar industries in Shaanxi Province, and it is also the main source of income for fruit farmers in fruit regions. But as a result of global climate change, catastrophic weather and other risks are increasing. Apple Insurance is one of the effective means to deal with many natural disasters and other risks in apple production, and its reasonable system can help Apple Insurance to operate better. As the insured person of apple insurance, peasant household is the main body in this system. The demand of farmers and the interests of farmers undoubtedly have a great influence on the construction of apple insurance system and the healthy development of apple insurance. Therefore, the research on the construction of Shaanxi apple insurance system based on farmers' demand is of great practical significance. Based on the investigation data of 194 peasant households in Luochuan County, Shaanxi Province, this paper forecasts the factors that affect the participation of the farmers in apple insurance by combining normative analysis with empirical analysis, and analyzes the factors by using logistic regression model. The specific factors that affect the farmers' demand for apple insurance are obtained. The paper holds that the government subsidy, the degree of natural disaster, the annual income of the family and the satisfaction degree of the insurance company mainly affect the farmers' demand for Apple insurance. Then, the paper expounds the experience of five countries' agricultural insurance system in foreign countries, summarizes the measures to fully consider the farmers' needs in the course of its operation, and provides the enlightenment to the construction of the apple insurance system in Shaanxi Province. Finally, based on the empirical analysis and the enlightenment of foreign agricultural insurance system, the author constructs the apple insurance system of Shaanxi province from the perspective of farmers' demand. The apple insurance system of Shaanxi Province is an organic whole composed of five parts, including the external environment, the main body of supply, the object of service, the mode of development and the service management. The main suggestions in the construction of the system are as follows: strengthening the agricultural insurance legislation, formulating and promulgating the agricultural insurance law as soon as possible; stabilizing or increasing the premium subsidy of the government to the farmers; improving the income level of the farmers and enhancing their ability to insure; Increase the number of apple insurance providers; adjust and refine the terms according to the different demand of farmers in different regions for agricultural insurance; improve or increase the form of service objects to professional large households, Family farms or specialized cooperatives for apple planting to provide insurance and services; to introduce reinsurance mechanisms; to improve the level of comprehensive insurance services to farmers, especially the amount and efficiency of claims.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

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