从生猪价格指数保险谈我国政策性农险产品创新

发布时间：2018-06-05 17:47

本文选题：生猪价格指数保险 + 农业保险　；参考：《辽宁大学》2014年硕士论文

【摘要】：农业作为我国的基础性产业，为国民和工业提供生活、生产原料，其地位至关重要。农业也是一个弱质产业，由于我国地域广泛，地处温带和亚热带地区，自然灾害成为了我国农业发展过程中不可避免的一大风险，旱灾、涝灾、霜冻、以及台风、暴雨等这些常见的自然灾害，都对农业生产带来了不可估量的损失。除了这些自然灾害，还有意外事故、疾病、市场风险和社会风险都制约着农业发展。农业保险是能够有效分散风险和降低损失的风险管理方法之一，它还是有效避免外贸壁垒的“绿箱政策”。我国农业保险自民国时期就已经存在，大致经历了试办、快速发展、整顿和收缩、复办、政府支持下的政策性农险几个阶段。2004年，我国开始以个别省份作为试点区，尝试政策性农险的开展工作，由省级政府进行财政补贴，这几个省份是新疆、江苏以及四川省。2007年，试点区扩大到安徽、山东、内蒙古九个省份，同年中央政府开始对政策性农险进行财政支持，以后随着试点区的增加，保险的范围由最初的种植作物（小麦、水稻、玉米），扩展到养殖业和林业。在取得成效的同时，由于农业自身极具复杂性，导致我国的政策性农险出现了许多问题，使政策性农险发展缓慢。要想使政策性农险快速健康发展，就必须对政策性农险进行产品创新。本文的主要内容是从生猪价格指数保险谈我国政策性农险产品创新，主要分为以下五个部分：第一部分，案例介绍，本文选取2013年在北京推行的生猪价格指数保险为案例。第二部分，案例分析，分析生猪价格指数保险的运作成效和创新之处。第三部分，主要对我国政策性农险产品创新的必要性分析和存在的障碍进行分析。第四部分，，国外农险创新产品经验及对我国的启示。选取气象指数保险作为国外农险创新产品的代表，借鉴墨西哥、印度、埃塞俄比亚三个国家开展气象指数保险的经验。第五部分，对政策性农险产品创新的建议，针对目前我国在政策性农险产品创新中存在的障碍提出建议，以期促进我国政策性农险健康快速发展。
[Abstract]:As the basic industry of our country, agriculture is very important to provide people and industry with living and producing raw materials. Agriculture is also a weak industry. Because our country is widely located in temperate and subtropical regions, natural disasters have become an inevitable risk in the course of agricultural development in China, including drought, waterlogging, frost, and typhoons. Rainstorms and other common natural disasters have brought incalculable losses to agricultural production. In addition to these natural disasters, accidents, diseases, market risks and social risks constrain agricultural development. Agricultural insurance is one of the risk management methods which can effectively disperse risks and reduce losses, and it is also an effective "green box policy" to avoid foreign trade barriers. Agricultural insurance in China has been in existence since the Republic of China, and has generally undergone several stages of trial, rapid development, rectification and contraction, re-establishment, and policy agricultural insurance supported by the government. In 2004, China began to take individual provinces as pilot areas. Try to develop policy-oriented agricultural insurance, with financial subsidies from provincial governments. These provinces are Xinjiang, Jiangsu and Sichuan. In 2007, the pilot areas were expanded to nine provinces in Anhui, Shandong and Inner Mongolia. In the same year, the central government began to provide financial support for policy-oriented agricultural insurance, and with the increase of the pilot areas, the coverage of the insurance was extended from the initial planting crops (wheat, rice and corn to aquaculture and forestry). At the same time, due to the complexity of agriculture itself, there are many problems in China's policy-oriented agricultural insurance, which makes the development of policy-oriented agricultural insurance slow. In order to make the policy agricultural insurance develop rapidly and healthily, it is necessary to innovate the policy agricultural insurance products. The main content of this paper is to discuss the innovation of policy agricultural insurance products in China from the pig price index insurance, which is divided into the following five parts: The first part is a case study of pig price index insurance carried out in Beijing in 2013. The second part, case analysis, analyzes the operation effect and innovation of pig price index insurance. The third part mainly analyzes the necessity and obstacles of policy-oriented agricultural insurance product innovation in China. The fourth part, the foreign agricultural insurance innovation product experience and the enlightenment to our country. This paper selects the meteorological index insurance as the representative of the foreign agricultural insurance innovation products, and draws lessons from the experience of Mexico, India and Ethiopia in developing the meteorological index insurance. In the fifth part, the suggestions on the innovation of policy-oriented agricultural insurance products are put forward in view of the obstacles existing in the innovation of policy-oriented agricultural insurance products in China, in order to promote the healthy and rapid development of agricultural insurance in China.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.7;F842.66

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