山东省水产养殖保险市场需求研究

发布时间：2018-09-10 14:48

【摘要】：自1978年国家调整渔业经济发展战略到2016年的近40年以来,我国的渔业产业实现了突飞猛进的增长。目前,我国水产养殖产量超过世界水产养殖总量的70%,已经成为了名副其实的渔业第一大国。水产养殖业不仅在水产养殖者生活中起到越来越重要的作用,同时,水产养殖业在国民优质蛋白以及国家粮食安全战略中的角色地位也日渐凸显。同时,水产养殖业与大农业中的其他行业相比,有投入成本高、灾害风险高、损失程度重、产品市场价格不稳定等特点,每年因灾致贫、因灾返贫的渔民不计其数。因此,加强对水产养殖行业的保障显得越来越重要。但是,水产养殖业的高风险性以及保险政策支持的薄弱性,削弱了保险公司开展水产养殖保险的主动性,我国水产养殖保险目前仅处于小规模试点阶段,对水产养殖业的保障远远不足。实践证明,在风险分散以及补偿机制中,保险是最重要的工具,与直接性的灾害救济手段相比,保险不仅能补偿渔民的经济损失,稳定渔业产业的发展,同时,也为政府参与社会管理提供了新的抓手。近年来,学者开始对水产养殖保险进行尝试性研究,但是涉及水产养殖保险的需求与满意度的研究很少。基于上述认识,本文将以山东省为例,对水产养殖保险需求市场进行相关研究,本文也希望通过对水产养殖保险的需求影响因素以及现行水产养殖保险的满意度进行系统的分析,为水产养殖保险的完善与发展提供参考。山东省是我国的水产养殖大省,水产养殖保险试点工作也属于全国范围较为成功的代表。本文以山东省为调查对象,着重调研了烟台、威海、潍坊、青岛、济宁等山东水产养殖聚集区以及水产养殖保险试点区,在实地调研、统计分析的基础上,运用计量经济学的方法与工具,借助Eviews、Spss等计量经济学软件对统计指标进行分析。本文首先用Logit模型分析了水产养殖保险的需求影响因素,在此基础上又借助因子分析法对现行水产养殖保险的满意度进行了分析,并进一步探究了制约水产养殖保险发展的因素并提出了相应的建议。本文写作共有六章组成。第一章是论文的绪论,主要包括论文的选题背景与意义、国内外文献综述、研究方法与技术路线以及论文的创新点与不足之处。第二章是水产养殖保险概述,内容包括水产养殖行业特点、水产养殖行业风险性、水产养殖保险的功能以及水产养殖保险发展的历程。第三章对山东省水产养殖保险市场进行分析。内容包山东省水产养殖产业发展概况、调研问卷的设计及组织实施、山东省水产养殖保险的描述性统计分析、山东省水产养殖保险需求影响因素实证分析以及山东省水产养殖保险市场满意度因子分析。通过运用Logit模型分析渔民购买水产养殖保险的影响因素可以发现,渔民对水产养殖保险的需求受到保费水平、保障程度、保费补贴水平等11个因素的影响,其中保费水平对保险的需求产生反向影响,补贴水平对保险需求的影响最为显著、影响程度最高。通过因子分析模型可知,四个维度因子对渔业保险满意度评价的影响程度与得分分别为:保险服务因子(33.626%,3.4分)、保障水平因子(27.997%,3.9分)、保险价格因子(21.096%,2.8分)、政策支持因子(14.905%,2.5分)。第四章是山东省水产养殖保险发展面临的制约因素。目前水产养殖保险主要存在水产养殖保险机构宣传力度小、宣传效果弱;产品设计创新不足,服务生命周期短,服务质量与客户预期差距大;政策目标不明确、覆盖面窄、政策推进速度慢等制约因素。第五章是山东省水产养殖保险发展的对策建议。文章主要从拓宽保险展业、宣传渠道,提升渔民对产品的知晓率与满意度;增强产品设计创新力度,提升产品与渔民需求的“契合度”;提升服务质量与服务效率,提升渔民的体验满意度与忠诚度以及完善水产养殖保险的相关政策,提升保费补贴比例与覆盖面四方面进行了论证。第六章为研究结论与研究展望。主要总结了论文的研究结论并对下一步的研究进行展望。
[Abstract]:From 1978 to 2016, China's fishery industry has achieved rapid growth. At present, China's aquaculture production exceeds 70% of the world's total aquaculture, and has become the largest fishery country in the world. Aquaculture industry not only plays a role in the lives of aquaculture people. At the same time, compared with other industries in large agriculture, aquaculture has the characteristics of high investment cost, high disaster risk, heavy losses and unstable market prices of products, resulting in poverty every year. There are countless fishermen returning to poverty due to disasters. Therefore, it is more and more important to strengthen the protection of aquaculture industry. However, the high risk of aquaculture industry and the weakness of insurance policy support weaken the initiative of insurance companies to carry out aquaculture insurance. Practice has proved that insurance is the most important tool in the risk dispersal and compensation mechanism. Compared with direct disaster relief measures, insurance can not only compensate fishermen's economic losses and stabilize the development of fishery industry, but also provide a new grasp for the government to participate in social management. Based on the above understanding, this paper will take Shandong Province as an example to study the demand market for aquaculture insurance. This paper also hopes to analyze the factors influencing the demand for aquaculture insurance and the current aquaculture insurance. The satisfaction degree of reproductive insurance is systematically analyzed to provide reference for the improvement and development of aquaculture insurance. Shandong Province is a big province of aquaculture in China, and the pilot work of aquaculture insurance is also a relatively successful representative of the whole country. On the basis of field investigation and statistical analysis, this paper uses econometric methods and tools to analyze the statistical indicators with the help of econometric software such as Eviews and Spss. Firstly, this paper uses Logit model to analyze the demand factors of aquaculture insurance. In this paper, six chapters are included. The first chapter is the introduction of the paper, mainly including the background and significance of the topic, literature review at home and abroad. The second chapter is the overview of aquaculture insurance, including the characteristics of aquaculture industry, the risk of aquaculture industry, the function of aquaculture insurance and the development process of aquaculture insurance. The general situation of the development of aquaculture industry in Shandong Province, the design and implementation of the questionnaire, the descriptive statistical analysis of aquaculture insurance in Shandong Province, the empirical analysis of the factors influencing the demand of aquaculture insurance in Shandong Province, and the factor analysis of satisfaction of the market of aquaculture insurance in Shandong Province were carried out. Influencing factors of reproductive insurance can be found that fishermen's demand for aquaculture insurance is affected by 11 factors, such as the level of premium, the degree of protection, the level of premium subsidy and so on. Among them, the level of premium has a reverse effect on the demand for insurance, and the level of subsidy has the most significant effect on the demand for insurance, with the highest degree of influence. The four dimensions of the factors are: insurance service factor (33.626%, 3.4 points), guarantee level factor (27.997%, 3.9 points), insurance price factor (21.096%, 2.8 points), policy support factor (14.905%, 2.5 points). The fourth chapter is the restrictive factors of the development of aquaculture insurance in Shandong Province. Aquaculture insurance mainly exists in the propaganda of aquaculture insurance institutions is weak, propaganda effect is weak; product design innovation is insufficient, service life cycle is short, service quality and customer expectations gap is large; policy objectives are not clear, coverage is narrow, policy promotion speed is slow and other constraints. Chapter V is the development of aquaculture insurance in Shandong Province countermeasures. This article mainly discusses the following aspects: broadening the insurance exhibition industry, publicity channels, enhancing the awareness and satisfaction of fishermen to the products; strengthening the innovation of product design, enhancing the "fit degree" between the products and the needs of fishermen; improving the service quality and efficiency, enhancing the fishermen's experience satisfaction and loyalty, and improving the relevant policies of aquaculture insurance. Chapter 6 is the conclusion and Prospect of the study. It mainly summarizes the conclusions of the study and looks forward to the next step of the study.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F326.4;F842.66

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