湖南农业保险发展现状和模式选择
发布时间：2018-09-07 14:07
【摘要】：在现代化不断推进的今天,我国的城市化水平仍然很低,根据第六次人口普查的数据,我国城乡人口的比例分别为49.68%和50.32%,农村、农业和农民问题始终是关系我国经济社会发展全局的根本性问题。农业保险作为解决“三农”问题的重要金融工具,其健康发展直接关系到广大农民群众的切身利益,关系到农村经济和社会的协调发展,关系到农民生活质量的提高和农村社会的进步,是我国保险工作的重点。 尽管至2007年以来,湖南农业保险规范发展取得了很大成效。但是“承保收费难、查勘理赔难、赔款到户难”的农业保险困局,一直困扰着农业保险的发展。相比于发达国家,湖南省的农业保险明显滞后。要打破现实发展的桎梏,湖南省必须选择一套健全又适合省情发展的农业保险模式,才能保证湖南省农业保险的可持续发展。本文借探讨湖南省农村保险的现状及所存在的问题,进而通过对国内外现行农业保险模式的介绍与探寻,对各种农业保险模式的经验进行了总结概括,从而对湖南省的农业保险模式选择和完善提出了调整完善农业保险组织管理架构、完善准入与退出机制、提高农业保险的保障水平等建议,并构建了有湖南特色的农业保险模式,为进一步深化湖南农业保险发展,加快农业保险服务转型提供了新的参考。
[Abstract]:Today, with the continuous progress of modernization, the level of urbanization in China is still very low. According to the data from the sixth Census, the proportion of urban and rural population in China is 49.68% and 50.32%, respectively. Agriculture and peasant problem is the fundamental problem that concerns the overall situation of our country's economic and social development all the time. As an important financial tool to solve the problems of agriculture, rural areas and farmers, the healthy development of agricultural insurance has a direct bearing on the vital interests of the broad masses of farmers, and on the coordinated development of rural economy and society. Related to the improvement of farmers' quality of life and the progress of rural society, it is the focus of our country's insurance work. Although since 2007, Hunan agricultural insurance standard development has obtained the very big result. However, the difficulty of agricultural insurance, such as the difficulty of underwriting charges, the difficulty of investigation and compensation, and the difficulty of payment to households, have been puzzling the development of agricultural insurance. Compared with the developed countries, Hunan Province's agricultural insurance obviously lags behind. In order to break the shackles of real development, Hunan must choose a sound and suitable agricultural insurance model to ensure the sustainable development of Hunan agricultural insurance. By discussing the present situation and existing problems of rural insurance in Hunan Province, this paper summarizes the experiences of various agricultural insurance modes through the introduction and exploration of the current agricultural insurance modes at home and abroad. Therefore, some suggestions are put forward for the selection and perfection of agricultural insurance mode in Hunan Province, such as adjusting and perfecting the management structure of agricultural insurance organizations, perfecting the mechanism of admission and withdrawal, improving the level of agricultural insurance security, etc. The model of agricultural insurance with Hunan characteristics is constructed, which provides a new reference for further deepening the development of agricultural insurance in Hunan and speeding up the transformation of agricultural insurance service.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66
本文编号：2228482
[Abstract]:Today, with the continuous progress of modernization, the level of urbanization in China is still very low. According to the data from the sixth Census, the proportion of urban and rural population in China is 49.68% and 50.32%, respectively. Agriculture and peasant problem is the fundamental problem that concerns the overall situation of our country's economic and social development all the time. As an important financial tool to solve the problems of agriculture, rural areas and farmers, the healthy development of agricultural insurance has a direct bearing on the vital interests of the broad masses of farmers, and on the coordinated development of rural economy and society. Related to the improvement of farmers' quality of life and the progress of rural society, it is the focus of our country's insurance work. Although since 2007, Hunan agricultural insurance standard development has obtained the very big result. However, the difficulty of agricultural insurance, such as the difficulty of underwriting charges, the difficulty of investigation and compensation, and the difficulty of payment to households, have been puzzling the development of agricultural insurance. Compared with the developed countries, Hunan Province's agricultural insurance obviously lags behind. In order to break the shackles of real development, Hunan must choose a sound and suitable agricultural insurance model to ensure the sustainable development of Hunan agricultural insurance. By discussing the present situation and existing problems of rural insurance in Hunan Province, this paper summarizes the experiences of various agricultural insurance modes through the introduction and exploration of the current agricultural insurance modes at home and abroad. Therefore, some suggestions are put forward for the selection and perfection of agricultural insurance mode in Hunan Province, such as adjusting and perfecting the management structure of agricultural insurance organizations, perfecting the mechanism of admission and withdrawal, improving the level of agricultural insurance security, etc. The model of agricultural insurance with Hunan characteristics is constructed, which provides a new reference for further deepening the development of agricultural insurance in Hunan and speeding up the transformation of agricultural insurance service.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66
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