基于参保农民权益保护视角的农业保险监管研究

发布时间：2018-05-31 23:35

本文选题：农业保险 + 参保农民　；参考：《西南财经大学》2013年硕士论文

【摘要】：农业是我国国民经济的基础性产业,同时也是弱质产业,农业的健康发展需要农业保险为其保驾护航,发展农业保险是政府扶持和保护农业发展的一项重要措施。我国农业保险的消费者是广大的参保农民,参保农民是农业保险赖以生存和发展的根基。我国农民虽然整体文化水平不高,但简单、朴实,做好参保农民的权益保护工作,是保险监管机构的天职,也是衡量监管工作成效的重要标准。在当前发展环境和我国农业保险快速发展时期,保护好参保农民利益,不仅有助于促进农业保险科学规范经营、推动我国农业保险事业的顺利开展,而且对保障国家粮食生产安全具有十分重要的战略意义。本文从农业保险发展的特殊目的出发,重点分析了农业保险制度运行中承保、理赔、巨灾损失分摊、保费补贴等环节对参保农民利益的损害及监管的必要性,并结合当前实际分析了影响农业保险监管和参保农民权益保护的因素；在此基础上,论文借鉴国外农业保险监管及参保农民权益保护的经验,提出了加强我国农业保险监管和参保农民权益保护的对策建议。本文共分为五部分,各部分的主要内容及观点如下：第一部分：对本文的研究背景与研究意义进行论述,并对国内外农业保险监管及参保农民权益方面的相关研究文献做了简要综述。第二部分：我国农业保险发展的特殊性及加强监管的必要性研究。首先,对我国政策性农业保险发展的特殊目的及对监管的特别要求进行界定,提出我国政策性农业保险发展的两个特殊目的：促进农业发展,保障粮食安全；减少农民收入波动,增进农民福利；其次,对我国农业保险大规模发展面临的新问题及对参保农民权益的损害进行了详细重点分析；最后,对我国农业保险监管的目标和现实意义进行了简要概述。论文分析认为：我国农业保险监管对保护参保农民的保险利益、维护农业保险市场的公平公正、监督国家财政补贴资金的安全使用都具有非常重要的现实意义。第三部分：影响农业保险监管和参保农民权益保护的因素分析。本部分通过对影响我国农业保险监管和参保农民权益保护的因素进行分析,得出影响因素主要有：规范农业保险发展的法律法规体系不健全、农业保险经营组织架构及保险服务体系跟不上,其中包括机构设置不足、险种不足、条款及费率制定粗放、服务手段落后等问题,以及现行农业保险多头监管、协调机制未建立等因素。第四部分：国外农业保险监管及参保农民权益保护的经验研究。本部分通过对英美法系代表国家和大陆法系代表国家的农业保险监管制度进行分析概述,总结出国外农业保险监管制度对我国的几点启示。论文分析认为：农业保险的监管需要相应的法律法规支持,农业保险的监管方式应当符合本国国情,农业保险的监管机构、监管对象和内容应当明确。第五部分：加强农险监管和保护参保农民权益的对策建议研究。本部分针对前面对影响我国农业保险监管和参保农民权益保护因素的分析及国外对农业保险监管和参保农民权益保护方面的经验启示,从五个方面提出对策建议。论文分析认为：加强我国农业保险监管和保护参保农民权益应着重完善农业保险法规及制度建设,加大投入建立健全农业保险服务体系,建立农业保险的有效监管体系,引导社会力量参与监管,构建农业保险社会监督机制,并积极发挥保险行业自律组织的约束机制,从根本上发挥农业保险的监管作用,切实保障参保农民的合法权益。本文的主要特色和创新之处在于：①将农业保险监管作为一个专门问题,并基于参保农民权益保护视角,研究如何通过完善农业保险监管体系来保护农民的利益,切入视角较为独特。②论文提出了建立我国农业保险监管制度的框架和具体建议,包括加强法规及制度建设、充分发挥社会力量、行业自律组织的监督作用等,对构建我国农业保险消费者权益保护机制和提升农业保险的监管水平具有重要意义。
[Abstract]:Agriculture is the basic industry of our national economy, and it is also a weak industry. The healthy development of agriculture needs agricultural insurance to escort it, and the development of agricultural insurance is an important measure to support and protect the development of agriculture. The consumers of agricultural insurance in China are the vast majority of the insured farmers, and the farmers are the agricultural insurance to survive. The foundation of the development is that the farmers in our country, although the overall cultural level is not high, but simple, simple, to do a good job of protecting the rights and interests of the insured farmers, is the duty of the insurance regulators, and is also an important standard to measure the effectiveness of the supervision work. It is of great strategic significance to promote the scientific and standardized operation of agricultural insurance and to promote the smooth development of agricultural insurance in China, and to ensure the safety of national grain production.
This paper, starting from the special purpose of the development of agricultural insurance, focuses on the analysis of the damage to the interests of the insured farmers and the necessity of supervision in the operation of insurance, claims, catastrophe loss allocation, premium subsidy and so on, and analyzes the factors that affect the supervision of agricultural insurance and the protection of farmers' rights and interests in combination with the current practice. On the basis of this, the paper draws on the experience of foreign agricultural insurance supervision and the protection of farmers' rights and interests, and puts forward some countermeasures and suggestions to strengthen the supervision of agricultural insurance and protect the protection of farmers' rights and interests.
This article is divided into five parts. The main contents and viewpoints of each part are as follows:
The first part is to discuss the background and significance of the research, and briefly summarize the relevant research literature on the supervision of agricultural insurance at home and abroad and the rights and interests of farmers participating in the insurance.
The second part: the particularity of the development of agricultural insurance in China and the necessity of strengthening supervision. First, the special purpose of the development of policy based agricultural insurance in China and the special requirements for supervision are defined, and the two special purposes of the development of policy based agricultural insurance in China are put forward: promoting the development of agriculture, ensuring the security of grain, and reducing the peasants. In the second place, this paper makes a detailed analysis of the new problems faced by the large-scale development of agricultural insurance in China and the damage to the rights and interests of the insured farmers. Finally, the objective and practical significance of the supervision of agricultural insurance in China are briefly summarized. The insurance interests of farmers, safeguarding fairness and impartiality in the agricultural insurance market, and monitoring the safe use of state financial subsidy funds are of great practical significance.
The third part: the analysis of factors affecting the supervision of agricultural insurance and the protection of the rights and interests of farmers. Through the analysis of the factors affecting the protection of agricultural insurance and the protection of the rights and interests of farmers in China, the main factors are as follows: the system of laws and regulations regulating the development of agricultural insurance is not perfect, the organization structure of agricultural insurance and the management of agricultural insurance The insurance service system can not follow, including insufficient institutions, inadequate insurance, extensive provisions and rates, backward services, and the current agricultural insurance supervision, and the coordination mechanism is not established.
The fourth part: the experience of foreign agricultural insurance supervision and the protection of farmers' rights and interests. Through the analysis and summary of the agricultural insurance supervision system of the representative countries of the Anglo American legal system and the representative countries of the continental law system, this part summarizes the Enlightenment of the foreign agricultural insurance regulation system to our country. The supervision needs the relevant laws and regulations. The supervision mode of agricultural insurance should be in accordance with the national conditions of the country. The regulatory bodies of agricultural insurance, the object of supervision and the content should be clear.
The fifth part: to strengthen the agricultural insurance supervision and protection of the protection of farmers' rights and interests of the countermeasures and suggestions. This part, in view of the analysis of the factors affecting the protection of agricultural insurance supervision and the protection of farmers' rights and interests in our country and the experience of foreign agricultural insurance supervision and protection of the protection of farmers' rights and interests, put forward the countermeasures and suggestions from five aspects. It is concluded that strengthening the supervision of agricultural insurance and protecting the rights and interests of farmers should focus on perfecting the regulations and construction of agricultural insurance, establishing and perfecting the service system of agricultural insurance, establishing an effective supervision system for agricultural insurance, guiding the social forces to participate in the supervision and construction of the social supervision mechanism of agricultural insurance, and giving full play to the insurance system. The restraint mechanism of industry self regulatory organizations can fundamentally play the regulatory role of agricultural insurance and effectively protect the legitimate rights and interests of insured farmers.
The main features and innovations of this paper are as follows: (1) taking the supervision of agricultural insurance as a special problem and based on the perspective of protecting farmers' rights and interests, it is more unique to study how to protect the interests of farmers by improving the agricultural insurance supervision system. Specific suggestions, including strengthening the construction of laws and regulations, giving full play to the social strength and the supervision function of the self-discipline organization of the industry, is of great significance to the construction of the protection mechanism of the consumer rights and interests of agricultural insurance and the improvement of the regulatory level of agricultural insurance in China.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

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