四川省农作物种植业保险模式研究

发布时间：2018-07-08 10:26

本文选题：农作物种植业 + 风险转移　；参考：《西南财经大学》2013年硕士论文

【摘要】：在农业生产和农村经济发展过程中,农作物种植一直是我国农业收入和人民生活的主要来源之一,其中稻谷、小麦、玉米等粮食作物关乎国计民生。但是,我国的农作物种植业却面临着包括自然风险、市场经济风险和环境风险等诸多风险,在一定程度上影响了我国农业收入及农民种植的积极性。其中,自然风险的影响尤为突出,另外,由于农作物种植业生长周期和生长环境特殊性以及其生命性,在农作物种植过程中还面临种子风险、各类病虫害风险、市场价格变动风险等。农作物种植业所面临的各类中,自然风险风险的发生是不可控制和预测的,其他风险有一定的可控性。这些风险的发生具有一定的偶然性和必然性,给农村种植业带来损失也就具有一定的必然性,要彻底杜绝、避免此风险是无法实现的。因此,怎样来降低由此给农民带来的损失,保障农民生产的积极性,给农业一个稳定的生产环境,为我国三农政策的贯彻实施起到一定辅助作用是摆在我们面前的一个刻不容缓的任务。利用保险其具有分散风险、防灾防损、分摊损失及损失补偿的职能解决这个问题,是有效途径之一。2004年中央一号文件《中共中央国务院关于促进农民增加收入若干政策的意见》中首次提出“建立政策性农业保险制度,选择部分产品和地区进行试点”。四川省成为首批农作物种植业保险试点省份,农作物种植业保险试点工作在成都、内江、眉山等地开展起来。2007年,中央政策性农业保险试点方案出台,农作物种植业保险试点工作在全省逐步铺开。经过多年的实践,四川农作物种植业保险发展取得了一定的成效,但农作物种植业保险有效需求与供给不足等方面还存在诸多问题需要解决。本文试图通过对影响农作物种植诸多因素分析、农作物种植业风险管理工具的分析、农作物种植业保险模式分析,结合日本、美国、加拿大的农作物保险经营管理模式借鉴,提出了适合我国国情的农作物种植业保险模式。本论文主要从四个方面进行了系统的论述：第一,论述了选题的背景和意义以及国内外农业保险、农作物种植业保险的相关研究,为本论文提供一定的理论依据。第二,对农作物种植业保险基础理论进行分析,主要对农作物种植业风险和农作物种植业保险的概念、特征和种类进行界定,指出农作物种植业风险和农作物种植业保险的特殊性,并对农作物种植业风险管理工具和农作物保险模式进行比较介绍。第三,对国外农作物种植业保险的发展模式进行了分析。主要介绍美国、日本、加拿大农作物种植业保险模式,并通过他们的模式对比分析及对我国的启示,提出农作物种植业保险的模式走向,即政府、商业保险公司和农作物种植业参与者的结合。最后以四川省为例,对四川农作物种植业的资源、面临的主要风险、农作物保险现状、农作物保险存在的问题进行深入分析,并在此基础上提出适合我国农作物种植业保险的模式。
[Abstract]:In the process of agricultural production and rural economic development, crop planting has always been one of the main sources of agricultural income and people's life, among which grain crops such as rice, wheat and corn are related to the national economy and people's livelihood. However, the crop planting industry in China faces many risks, such as natural risk, market economy risk and environmental risk, etc. To a certain extent, it affects the agricultural income and the enthusiasm of farmers in China. Among them, the impact of natural risk is particularly prominent. In addition, due to the growth cycle and the particularity of the growth environment and its life, the crop planting is also faced with the risk of seed wind, the risk of various diseases and insect pests, the risk of market price change and so on. In the various types of crop planting, the occurrence of natural risk risk is not controlled and predicted, and other risks have certain controllability. The occurrence of these risks has certain contingency and inevitability. It is inevitable to bring losses to the rural planting industry, and it is impossible to avoid this risk. Therefore, how to reduce the loss caused by the peasants, guarantee the enthusiasm of the farmers, give a stable production environment to agriculture, and carry out a certain auxiliary role for the implementation of the policy of China's agriculture, agriculture and agriculture is an urgent task before us. One of the effective ways to solve this problem is one of the effective ways to solve this problem. The Central Committee of the Central Committee of the Communist Party of China (CPC Central Committee and State Council) on Promoting Farmers' income policy in.2004, first proposed "the establishment of a policy based agricultural insurance system, the selection of some products and areas for pilot". Sichuan became the first batch of crop planting insurance. Pilot provinces, crop planting insurance pilot work in Chengdu, Neijiang, Meishan and other places to carry out.2007 years, the central policy of agricultural insurance pilot project was introduced, crop planting insurance pilot work in the province gradually spread out. After years of practice, the development of agricultural plant planting insurance in Sichuan has achieved certain results, but crops There are still many problems to be solved in the aspects of effective insurance demand and insufficient supply.
This paper attempts to analyze the risk management tools of crop planting, analyze the crop planting risk management tools, analyze the model of crop planting insurance, combine the model of crop insurance management in Japan, the United States and Canada, and put forward the crop planting insurance model suitable for the national conditions of our country. This paper is mainly from four First, the paper discusses the background and significance of the topic and the related research on agricultural insurance and crop planting insurance at home and abroad, and provides some theoretical basis for this paper. Second, the basic theory of crop planting insurance is analyzed, mainly on crop planting risk and crop planting industry. The concept, characteristics and types of insurance are defined, the risks of crop planting and the particularity of crop planting insurance are pointed out, and the risk management tools of crop planting and the model of crop insurance are compared. Third, the development mode of crop insurance in foreign countries is analyzed. Taking the model of big crop planting insurance, and through the comparison and analysis of their model and the enlightenment to our country, the model trend of crop planting insurance is put forward, that is, the combination of the government, the Business insurance company and the participants of the crop planting industry. Finally, taking Sichuan as an example, the main risks to the crop planting industry in Sichuan, the agricultural work The current situation of crop insurance and the problems existing in crop insurance are deeply analyzed, and on this basis, a model suitable for crop planting insurance in China is put forward.
【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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