大湘西地区农业保险发展研究

发布时间：2018-06-22 21:52

本文选题：大湘西 + 农业保险　；参考：《吉首大学》2017年硕士论文

【摘要】：农业在维护社会稳定方面有基础性作用,具有国民经济中的支配性地位,同时,相对于第二和第三产业而言,农业需要投入资金多、经济效益较低且容易受自然灾害影响等,在日常的农业生产活动中,农业经营风险几乎无处不在,开展农业保险,保证农业生产安全,维护好农户种养殖积极性及增加农户收入具有重要作用。大湘西地区(本文所指的大湘西地区,范围仅限于湘西土家族苗族自治州、张家界市和怀化市,不包含其他市州所辖行政区域范围)是国家确定公布的连片集中特困区之一,也是武陵山片区区域发展与扶贫攻坚的主战场。农业一直是该地区的主打产业,推动该地区脱贫致富,必须努力发展农业保险,切实为大湘西地区农业的现代化发展构筑一道安全屏障,提供保障和支撑。本文以国内外农业保险相关理论研究为基础,深入研究分析了大湘西地区农业保险的发展现状、发展环境以及发展中存在的困难和问题,对当前大湘西地区农业保险有关情况进行了客观评价和阐述,从政府、商业保险公司和农户不同的视角得出了制约大湘西地区农业保险发展的政府部门推动力度不大、商业保险公司专业性不够以及农户对农险品种认同接受程度不高等原因,提出了针对大湘西地区农业保险发展特色的政策建议,为大湘西地区完善农业保险相关制度,促进农业保险健康发展提供有关参考。本文回顾了我国农业保险发展历程以及各相关阶段农业保险对农业产业发展的影响,阐述了研究农业保险的背景及其理论和现实意义,对农业保险制度与政策、农业保险的价值等进行了说明。并从当前大湘西农业保险开展情况出发,分析了四种不同的农业保险经营机制各自利弊,针对实际情况提出了大湘西地区农业保险有关模式的选择与构建设想。本文立足大湘西地区农业发展,在大量研究基础上提出了推动大湘西地区农业保险发展的政策建议,包括提高大湘西地区农业保险实际需求、积极发挥政府部门推动农险发展主体作用、充分调动农业保险承保公司的工作积极性和加大农业保险的管理和创新等,以期更好地推动大湘西地区农业保险发展。
[Abstract]:Agriculture has a basic role in maintaining social stability and has a dominant position in the national economy. At the same time, compared with the second and third industries, agriculture needs to invest more funds, lower economic benefits and be easily affected by natural disasters. In the daily agricultural production, the risk of agricultural management is almost everywhere, and agriculture is carried out. Insurance, ensuring the safety of agricultural production, maintaining the farming enthusiasm of farmers and increasing the income of farmers. The big Xiangxi region (the large Xiangxi area referred to in this article is limited to the Xiangxi Tujia and Miao Autonomous Prefecture, Zhangjiajie and Huaihua, does not include the administrative regional scope under the jurisdiction of other cities and states). One of the concentrated stricken areas is also the main battlefield of the regional development and poverty alleviation of the Wuling mountain area. Agriculture has always been the main industry of the region, promoting the region to get rid of poverty and become rich. It must work hard to develop agricultural insurance and build a safe and full shield and support for the modernization of agriculture in the Xiangxi region. Based on the related theory of industry insurance, the current situation of agricultural insurance development, the development environment and the difficulties and problems in the development of agricultural insurance in Xiangxi are deeply studied and analyzed. The situation of agricultural insurance in the great Xiangxi area is objectively evaluated and elaborated, and the constraints from the different perspectives of the government, the Business insurance company and the farmers are drawn. The government departments of the development of agricultural insurance in the great Xiangxi region have little impetus to promote the development of agricultural insurance, the lack of professional nature of the Business insurance company and the poor acceptance of agricultural insurance varieties for farmers, and put forward the policy suggestions for the development of agricultural insurance in the great Xiangxi region, and improve the related system of agricultural insurance for the great Xiangxi area and promote the agricultural insurance. This article reviews the development course of agricultural insurance in China and the influence of agricultural insurance on the development of agricultural industry in various related stages, expounds the background and theoretical and practical significance of the study of agricultural insurance, explains the system and policy of agricultural insurance, and the value of agricultural insurance, and from the current big Xiangxi farmers. Starting from the situation of industry insurance, this paper analyzes the advantages and disadvantages of four different kinds of agricultural insurance management mechanism. In view of the actual situation, it puts forward the choice and construction of agricultural insurance related modes in the Xiangxi region. Based on the agricultural development in the big Xiangxi area, this paper puts forward the policy of promoting the development of agricultural insurance in the great Xiangxi area. Suggestions, including improving the actual demand for agricultural insurance in the Xiangxi region, actively play the role of government departments to promote the development of agricultural insurance, fully mobilize the enthusiasm of the insurance underwriting companies and increase the management and innovation of agricultural insurance, in order to better promote the development of agricultural insurance in the Xiangxi district.
【学位授予单位】：吉首大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66

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