云南政策性农业保险服务体系研究

发布时间：2018-05-09 07:34

本文选题：政策性农业保险 + 服务体系　；参考：《云南财经大学》2013年硕士论文

【摘要】：农业是云南省的基础产业，有87%的人口居住在农村，80%的轻工业产值，80%的国民生产总值，80%的财政收入和60%左右的创汇收入直接或间接来自于农业。云南作为农业大省，其中烤烟总产量和人均占有量均位居全国第一；甘蔗产量位居全国第二，含糖量位居全国第一。但是近几年来，云南均遭受到不同程度的自然灾害，给云南农业造成了巨大的损失，也引起了广大学者沉重的思考：云南应该建立什么样的政策性农业保险运营模式才能使农业保险更好地发挥减灾防灾等社会管理功能？建立一个什么样的政策性农业保险服务体系才能使云南农业保险制度高效运行？才能真正的将农业保险的惠农触角伸到各家各户？以及明确政策性农业保险服务体系对云南省农业发展的重要性在哪？如何建立一个健全的、适合云南省省情的政策性农业保险服务体系？该文将以玉溪市，江川县的实地调研和对部分农民的调查问卷为基础，以科学发展观为统领，以完善云南省农业保险服务体系为目的，坚持以人为本的理念，按照“广覆盖、保基本、多层次、可持续”的方针，建立完善的农业保险服务体系，完善保险公司与地方政府及农业相关部门之间的联动机制，明晰各自的职责，以求在各方共同努力下建立健全政策性农业保险服务体系。同时借鉴国内外的先进实例，对比总结出适合云南省省情、农情的方法措施。要从根本上解决阻碍服务体系建立的问题，就要大力宣传农业保险的意义与功用，提高农业保险在农村的普及程度，，明确政策性农业保险的非营利性和外部性，进一步强化政策性农业保险的社会管理功能，在现有农业保险经营格局的基础上，鼓励其他财险公司参与到政策性农业保险的经营中去。提高政府机构对政策性农业保险的重视，积极参与到农业保险服务体系的建立中去，并给予资金和人力上大力的支持。建立由分管农业副省长为组长的，由气象部门、农业部门、财政部门、相关保险公司等部门领导组成“云南省政策性农业保险领导小组”，并以此为组织基础形成农业保险服务体系，提升农业保险制度运行效率，完善云南农业保险服务体系。
[Abstract]:Agriculture is the basic industry in Yunnan Province. 87% of the population live in rural areas, 80% of the output value of light industry or 80% of the gross national product (GNP) or 80% of the revenue and about 60% of the income from foreign exchange directly or indirectly from agriculture. Yunnan, as a big agricultural province, ranks first in the total yield and per capita possession of flue-cured tobacco, the second in sugarcane yield and the first in sugar content in China. However, in recent years, Yunnan has suffered different degrees of natural disasters, which have caused huge losses to Yunnan agriculture. It has also aroused the heavy thinking of the vast number of scholars: what kind of policy-oriented agricultural insurance operation mode should be established in Yunnan to make agricultural insurance play a better role in social management such as disaster reduction and disaster prevention? What kind of policy-oriented agricultural insurance service system can make the agricultural insurance system of Yunnan run efficiently? In order to really extend the agricultural insurance benefits to each household? What is the importance of policy agricultural insurance service system to the agricultural development of Yunnan Province? How to establish a sound, suitable for Yunnan Province policy agricultural insurance service system? Based on the field investigation in Yuxi City and Jiangchuan County and the questionnaire for some farmers, the paper will take the scientific development view as the leader, take the agricultural insurance service system of Yunnan Province as the goal, adhere to the people-oriented concept, according to the "extensive coverage," To establish a sound agricultural insurance service system, to perfect the linkage mechanism between insurance companies and local governments and agricultural related departments, and to clarify their respective responsibilities, In order to establish a sound policy agricultural insurance service system under the joint efforts of all parties. At the same time, draw lessons from the advanced examples at home and abroad, and compare and summarize the methods and measures suitable for Yunnan Province. In order to fundamentally solve the problems that hinder the establishment of the service system, we must vigorously publicize the significance and function of agricultural insurance, improve the popularity of agricultural insurance in rural areas, and clarify the non-profit and externality of policy-oriented agricultural insurance. We should further strengthen the social management function of policy-oriented agricultural insurance and encourage other property insurance companies to participate in the management of policy-oriented agricultural insurance on the basis of the existing management pattern of agricultural insurance. The government should pay more attention to policy-oriented agricultural insurance, take an active part in the establishment of agricultural insurance service system, and give strong financial and human support. To establish a "leading Group on Policy Agricultural Insurance in Yunnan Province", headed by vice governors in charge of agriculture and led by meteorological departments, agricultural departments, financial departments, relevant insurance companies, etc. On the basis of this, the agricultural insurance service system is formed, the operational efficiency of the agricultural insurance system is improved, and the service system of Yunnan agricultural insurance is improved.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

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