我国农业保险组织形式及制度建设研究

发布时间：2018-04-29 19:59

本文选题：农业保险 + 组织的形式　；参考：《中南林业科技大学》2013年硕士论文

【摘要】：农业保险是一种风险管理的手段,同时它也有益于政府保护和补贴农业。但风险的频发性、系统性和具有特殊性质的农业保险标的,使得农业保险成为全球性的难题、研究对象的热议点。在我国对其进行的相关实验持续了几十年,但在其领域内一直没能取得质的突破在总结先前的经验同时创建新的实验模式,政府直接干预实验过程和采取财政补贴的措施,尽管相关措施增加了保费的收入,但是商业保险公司是以经营为主体,而且是在政策压迫下经营农业保险,换种说法就是用“以险养险”的盈利业务来支撑经营农业保险。因为固定的风险管理手段和单调的经营技术使其受到了很大束缚,自农业保险经营组织形式这个视角来审视中国的农业保险经营上的困境,并由组织形式与组织体系的创新给中国农业保险的发展来提供思路,就是本研究的主要目的。创建农业保险制度具有一定的系统性。当我们把农业保险制度当学术概念来看,它有其自身的理论基础,包括制度的对象、理念、规则、载体。然而创建的农业保险制度的新型理论是用来应对现实状况的,需要将制度的新型理论阶段引渡到制度实施的利益阶段。总而言之,研究我国农业保险发展历史在结合农业保险制度的新型理论的基础上,结合制度实施的具体认识、结合对我国基本国情的剖析,更要结合对农业保险制度自身制度的认知。
[Abstract]:Agricultural insurance is a means of risk management, and it is also beneficial to the government to protect and subsidize agriculture. However, the frequent occurrence of risk, systematic and special nature of agricultural insurance subject, make agricultural insurance become a global problem, the hot point of research object. The related experiments in our country lasted for several decades, but there has been no qualitative breakthrough in its field. At the same time, the government directly interfered in the experimental process and adopted the measures of financial subsidy to create a new experimental model while summing up the previous experience. Although the relevant measures have increased the premium income, the commercial insurance companies take the operation as the main body and operate agricultural insurance under the policy oppression. In other words, the profit business of "keeping insurance by insurance" is used to support the operation of agricultural insurance. Because of the fixed risk management means and monotonous management technology, it has been greatly restricted. From the perspective of the form of agricultural insurance management organization, we can examine the dilemma of agricultural insurance management in China. The main purpose of this study is to provide ideas for the development of China's agricultural insurance by the innovation of organizational form and organizational system. The establishment of agricultural insurance system has a certain degree of systematization. When we look at the agricultural insurance system as an academic concept, it has its own theoretical basis, including the object, idea, rule and carrier of the system. However, the new theory of agricultural insurance system is used to deal with the actual situation, and it is necessary to extradite the new theoretical stage of the system to the benefit stage of the implementation of the system. In a word, the study of the history of agricultural insurance in China is based on the new theory of agricultural insurance system, the concrete understanding of the implementation of the system, and the analysis of the basic national conditions of our country. We should combine the cognition of agricultural insurance system itself.
【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

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