基于财务稳定性基础上的民族地区蔬菜保险模式探讨

发布时间：2018-05-06 15:20

本文选题：蔬菜价格保险 + 财务稳定性　；参考：《中央民族大学学报(哲学社会科学版)》2017年03期

【摘要】：2008年以来,国内保险市场陆续推出蔬菜保险业务;2015年起,我国一些民族地区亦开展了蔬菜保险业务。蔬菜种植是民族地区创收脱贫的重要途径之一,也是一些民族地区精准扶贫的主要措施,蔬菜保险是其重要保障,作用明显,应大力推广。根据民族地区实际,民族地区蔬菜保险可分为种植保险和价格保险两大类;开展民族地区蔬菜保险,应基于财务稳定性原理,参考借鉴社会保险和商业保险的成功经验,遵循原保险与再保险原则,做好保险费率厘定,设计好保险定价模型,使之符合稳价惠农、促进蔬菜产业化发展、体现保险业参与作用和农业保险创新发展理念的要求。同时,应发挥政府宏观调控职能和保险公司经营积极性,实现双赢,为促进民族地区经济发展、精准扶贫和全面建设小康社会服务。
[Abstract]:Since 2008, the domestic insurance market has launched vegetable insurance business one after another; since 2015, some ethnic regions of our country have also launched vegetable insurance business. Vegetable planting is one of the important ways of income generation and poverty alleviation in minority areas, and it is also the main measure of precision poverty alleviation in some minority areas. Vegetable insurance is an important guarantee and plays an important role, so it should be popularized vigorously. According to the actual situation in ethnic minority areas, vegetable insurance in minority areas can be divided into two categories: planting insurance and price insurance. The development of vegetable insurance in ethnic areas should be based on the principle of financial stability and refer to the successful experience of social insurance and commercial insurance. According to the principle of original insurance and reinsurance, the insurance rate is determined, the insurance pricing model is designed, and the insurance pricing model is designed to make it conform to the stable price and benefit agriculture, to promote the development of vegetable industrialization, and to reflect the participation of insurance industry and the requirement of innovation and development idea of agricultural insurance. At the same time, we should give full play to the macro-control function of the government and the enthusiasm of insurance companies to achieve win-win, to promote economic development in ethnic areas, accurate poverty alleviation and the building of a well-to-do society in an all-round way.
【作者单位】：福州职业技术学院;
【分类号】：F302.6;F326.13;F842.66

【相似文献】