昌吉州政策性农业保险问题研究

发布时间：2018-09-10 17:01

【摘要】：农业关乎国计民生,是一个国家的基础产业,同时又是一个国家经济正常运行的稳定剂。但是在农业逐步步入现代化的今天,因其自身特点受制于气候条件、地理环境以及技术等等因素,所以农业作为高风险弱质产业,其主要风险为非系统性风险。我国从2004年至今的中央一号文件中,都提到了政策性农业保险,这足以看出,国家对政策性农业保险施行的重视。2006年昌吉回族自治州作为首批试点地区之一,政策性农业保险在该区域已运行了将近十年,其效果如何,值得探究。文章通过对昌吉回族自治州的政策性农业保险发展现状以及对昌吉州农户调研分析,从政府、农户、保险公司三个方面研究昌吉州政策性农业保险存在的问题。首先在查阅大量相关文献资料的基础上,总结了国内外关于政策性农业保险的研究成果以及政策性农业保险的基础理论。其次介绍了昌吉州农业发展现状及政策性农业保险当前政策、经营现状。农户作为政策性农业保险的唯一需求方,对政策性农业保险的满意度直接可以衡量政策性农业保险的运行效果。所以本文通过对昌吉回族自治州农户的深入调研,采用描述性统计的方法,从农户对政策性农业保险参与度、认知度和评价这三个方面对昌吉州政策性农业保险的实施效果进行分析。通过以上分析从政府、农户、保险公司三个方面提出了政策性农业保险在运行过程中存在的问题;最后针对昌吉州政策性农业保险在运行过程中的问题,提出进一步发展昌吉州政策性农业保险政策建议并为以后其他区域政策性农业保险问题研究提供参考。
[Abstract]:Agriculture is not only the basic industry of a country, but also the stabilizer of a country's economy. However, with the gradual modernization of agriculture, the main risk of agriculture as a high risk and weak industry is non-systemic risk because its own characteristics are restricted by climatic conditions, geographical environment, technology and other factors. Policy agricultural insurance has been mentioned in the first document of the Central Committee since 2004, which is enough to show that the state attaches importance to the implementation of policy-oriented agricultural insurance. In 2006, Changji Hui Autonomous Prefecture was one of the first pilot areas. Policy-based agricultural insurance in the region has been running for nearly 10 years, its effect, it is worth exploring. Based on the analysis of the current situation of policy agricultural insurance in Changji Hui Autonomous Prefecture and the investigation and analysis of farmers in Changji Prefecture, this paper studies the problems of policy agricultural insurance in Changji from three aspects: government, peasant household and insurance company. Firstly, on the basis of consulting a large number of related documents, this paper summarizes the research results of policy-oriented agricultural insurance at home and abroad and the basic theory of policy-based agricultural insurance. Secondly, it introduces the current situation of agricultural development in Changji Prefecture and the current policy and management status of policy agricultural insurance. As the only demand side of policy-oriented agricultural insurance, farmers' satisfaction with policy-based agricultural insurance can directly measure the operational effect of policy-based agricultural insurance. Therefore, through the in-depth investigation of the farmers in Changji Hui Autonomous Prefecture and the descriptive statistical method, from the participation of farmers in policy-oriented agricultural insurance, The implementation effect of policy agricultural insurance in Changji Prefecture is analyzed from the three aspects of cognition and evaluation. Through the above analysis from the government, farmers, insurance companies three aspects of the policy agricultural insurance in the operation of the existing problems; finally, in view of the Changji policy agricultural insurance in the operation process of the problems, The paper puts forward some suggestions for the further development of policy agricultural insurance policy in Changji prefecture and provides a reference for the study of policy agricultural insurance in other regions in the future.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F842.66

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