河南省政策性农业保险研究

发布时间：2018-04-28 19:39

本文选题：农业风险 + 政策性农业保险　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：随着自然灾害和市场风险的增加,农业保险发展滞后越来越成为我国农村经济发展和新农村建设的制约因素。在经历了商业性农业保险的经营失败和借鉴国外成功经验的基础上,当前在全国范围内推行的政策性农业保险试点工作推动了农业保险的较快发展。但是,河南省政策性农业保险工作起步较晚,在发展过程中还存在一系列问题。本文在陈述河南省政策性农业保险现状的基础上,全面分析了其存在的问题,并在借鉴国外成功经验的基础上提出了具体的对策建议。全文分为六个部分。第一部分对河南省政策性农业保险这一问题的研究背景和意义进行阐述,对国内外政策性农业保险相关经验进行比较研究,得出国内外对政策性农业保险的建议,综合运用资料查阅法、数据对比法、实例举证法、分析对比法等方法进一步深入研究。第二部分在比较了农业风险管理的不同方法后,尝试对农业保险和政策性农业保险的内涵进行了界定,并重点分析了开展农业保险的必要性。第三部分对目前河南省政策性农业保险的发展现状进行调查,分析农业保险当前政策和经营情况。重点剖析了政策性农业保险的财政补贴范围和比例、保费收入与赔款情况,并以信阳市种植业保险和养殖业保险为例进一步剖析了河南省政策性农业保险的发展现状。第四部分通过实地考察全面分析了农业保险开展过程中存在的问题,主要从供给、需求和政策法律三方面考察,供给方面主要包括承保主体单一、机构网络不健全和查勘理赔技术不强等问题；需求方面主要是逆选择和道德风险问题；政策法律方面主要包括政策支持不足和法规建设滞后问题。在此基础上,进一步剖析了这些问题的深层次原因。第五部分通过比较分析世界各国农业保险经营模式,得出其共有的政策性特征是我国农业保险经营可借鉴的经验。在国内目前经营模式的基础上,我国可借鉴的国外成功经验有保险法规建设、政策性的经营模式选择、发展多元化的组织形式和建立财政支持的巨灾风险分散机制等。第六部分针对存在的问题,在借鉴国外经验的基础上,从保险供给主体和政策方面提出了具体的对策建议。从而创新农业风险管理与保险技术、强化三农保险基层服务体系建设、加强内部管理、加大政策支持力度以建立可持续、多渠道的政策支持体系,多角度地完善政策性农业保险制度。
[Abstract]:With the increase of natural disasters and market risks, the lag in the development of agricultural insurance has become more and more restrictive factors for the development of rural economy and the construction of new countryside. On the basis of the failure of commercial agricultural insurance and the successful experience of foreign countries, the pilot project of policy-oriented agricultural insurance in China has promoted the rapid development of agricultural insurance. However, the policy-oriented agricultural insurance in Henan Province started late, and there are still a series of problems in the process of development. On the basis of stating the present situation of policy agricultural insurance in Henan province, this paper analyzes the existing problems in an all-round way, and puts forward concrete countermeasures and suggestions on the basis of drawing lessons from the successful experience of foreign countries. The full text is divided into six parts. The first part expounds the research background and significance of the policy agricultural insurance in Henan Province, compares the relevant experiences of the policy agricultural insurance at home and abroad, and draws the suggestions of the policy agricultural insurance at home and abroad. Comprehensive use of data retrieval method, data comparison method, example method, analysis and contrast method and other methods further in-depth research. After comparing the different methods of agricultural risk management, the second part tries to define the connotation of agricultural insurance and policy-oriented agricultural insurance, and analyzes the necessity of agricultural insurance. The third part investigates the current situation of policy agricultural insurance in Henan Province, and analyzes the current policy and management of agricultural insurance. In this paper, the scope and proportion of financial subsidy, premium income and indemnity of policy-oriented agricultural insurance are analyzed, and the development status of policy-oriented agricultural insurance in Henan Province is further analyzed with the examples of crop insurance and aquaculture insurance in Xinyang city. The fourth part comprehensively analyzes the problems existing in the agricultural insurance development process through the field investigation, mainly from the supply, the demand and the policy law three aspect inspection, the supply aspect mainly includes the underwriting main body single, The problems such as imperfect organization network and weak technology of investigation and compensation; demand-side are mainly adverse selection and moral hazard; Policy and law mainly include insufficient policy support and lagging behind in the construction of laws and regulations. On this basis, this paper further analyzes the deep causes of these problems. In the fifth part, through the comparative analysis of agricultural insurance management models in the world, it is concluded that the common policy characteristics of agricultural insurance management in China can be used for reference. On the basis of the current domestic business model, the successful experiences of foreign countries can be used for reference, such as the construction of insurance laws and regulations, the choice of policy management mode, the development of diversified organizational forms and the establishment of financial support for the risk dispersion mechanism of catastrophe, and so on. The sixth part aims at the existing problems, on the basis of drawing lessons from the foreign experience, puts forward the concrete countermeasure suggestion from the insurance supply main body and the policy aspect. In order to innovate the agricultural risk management and insurance technology, strengthen the construction of the basic service system of agriculture, rural areas and farmers insurance, strengthen the internal management, increase policy support to establish a sustainable, multi-channel policy support system, Improve the policy agricultural insurance system from many angles.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

【参考文献】