海南省农业保险发展研究
发布时间：2018-09-16 21:09
【摘要】：海南省拥有丰富的热带农业资源和良好的生态环境,农业在海南省国民经济中占有基础性地位,然而海南省地处热带,台风、洪涝和干旱等自然灾害频繁,且以家庭经营为主的生产经营方式风险承担能力较弱,每年都会因自然灾害造成巨大损失。农业保险是管理农业风险的有效手段,但由于农业保险标的是有生命的动植物,且农业风险具有高度相关性,农业保险在经营的各个环节都存在特殊困难,农业保险市场的信息不对称比其他市场更为严重,由此导致的道德风险和逆向选择问题也更为突出,而且由于政府的介入,问题更加复杂。国内外实践都表明,按照一般商业保险的经营方式来经营农业保险是行不通的。农业保险的发展离不开政府的支持,海南省政府应当大力支持农业保险,然而海南省政策性农业保险还处于试点阶段,很多理论和实践中的问题有待解决。 本文通过运用农业保险相关理论,对海南省农业保险发展历程、现状、存在问题及原因进行深入探讨,充分借鉴国内外农业保险发展的成功经验,结合海南省实际情况,为海南省农业保险进一步发展提供切实可行、可操作性强的对策建议,解决海南农民和农业企业在生产过程中迫切需要的农业保险,保障热带高效农业有序发展、农民增收致富、农村社会稳定。本文在理论上揭示了海南省农业保险发展缓慢的深层次原因,界定了农业保险市场主体的职能,明确了农业保险在农业发展中的地位,有助于农业保险市场的顶层设计。在实践上本文综合考虑海南省农业生产、财政实力等基本情况,提出有针对性的对策建议,对海南省农业保险实践有很强的指导意义。本文的创新点在于,对国内外成功的农业保险经营模式进行了深入研究,立足于海南省财政支撑能力、农业生产条件、农户收入水平等基本现实,提出以共保体为主、多种保险组织形式协调发展的农业保险经营模式,共同促进海南省农业保险持续健康发展。
[Abstract]:Hainan Province has abundant tropical agricultural resources and good ecological environment. Agriculture plays a fundamental role in the national economy of Hainan Province. However, Hainan Province is located in the tropics, typhoons, floods, drought and other natural disasters. The risk bearing capacity of the production and management mode, which is based on family management, is weak, and it will cause huge losses every year due to natural disasters. Agricultural insurance is an effective means to manage agricultural risks. However, because the subject matter of agricultural insurance is a living animal and plant, and agricultural risks are highly relevant, agricultural insurance has special difficulties in all aspects of management. The information asymmetry of agricultural insurance market is more serious than other markets, and the moral hazard and adverse selection problems are more prominent, and the problems are more complicated because of the government intervention. The practice at home and abroad shows that it is not feasible to operate agricultural insurance according to general commercial insurance. The development of agricultural insurance can not be separated from the support of the government. The Hainan provincial government should make great efforts to support agricultural insurance. However, the policy agricultural insurance of Hainan Province is still in the pilot stage, and many theoretical and practical problems need to be solved. Based on the theory of agricultural insurance, this paper discusses the development course, present situation, existing problems and reasons of agricultural insurance in Hainan Province, and fully draws lessons from the successful experience of agricultural insurance development at home and abroad, combining with the actual situation of Hainan Province. To provide practical and feasible countermeasures and suggestions for the further development of agricultural insurance in Hainan Province, to solve the urgent needs of agricultural insurance for farmers and agricultural enterprises in Hainan in the production process, and to ensure the orderly development of highly efficient agriculture in the tropics. Farmers to increase income and become rich, rural social stability. This paper theoretically reveals the deep reasons for the slow development of agricultural insurance in Hainan Province, defines the function of the main body of agricultural insurance market, and clarifies the position of agricultural insurance in agricultural development, which is helpful to the top level design of agricultural insurance market. In practice, this paper synthetically considers the basic situation of Hainan's agricultural production and financial strength, and puts forward some countermeasures and suggestions, which is of great guiding significance to the practice of Hainan's agricultural insurance. The innovation of this paper is that the successful agricultural insurance management model at home and abroad has been deeply studied, based on the basic reality of Hainan Province, such as financial support ability, agricultural production conditions, peasant household income level, and so on. The coordinated development of agricultural insurance in various forms of insurance organizations promotes the sustainable and healthy development of agricultural insurance in Hainan Province.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66
本文编号：2244807
[Abstract]:Hainan Province has abundant tropical agricultural resources and good ecological environment. Agriculture plays a fundamental role in the national economy of Hainan Province. However, Hainan Province is located in the tropics, typhoons, floods, drought and other natural disasters. The risk bearing capacity of the production and management mode, which is based on family management, is weak, and it will cause huge losses every year due to natural disasters. Agricultural insurance is an effective means to manage agricultural risks. However, because the subject matter of agricultural insurance is a living animal and plant, and agricultural risks are highly relevant, agricultural insurance has special difficulties in all aspects of management. The information asymmetry of agricultural insurance market is more serious than other markets, and the moral hazard and adverse selection problems are more prominent, and the problems are more complicated because of the government intervention. The practice at home and abroad shows that it is not feasible to operate agricultural insurance according to general commercial insurance. The development of agricultural insurance can not be separated from the support of the government. The Hainan provincial government should make great efforts to support agricultural insurance. However, the policy agricultural insurance of Hainan Province is still in the pilot stage, and many theoretical and practical problems need to be solved. Based on the theory of agricultural insurance, this paper discusses the development course, present situation, existing problems and reasons of agricultural insurance in Hainan Province, and fully draws lessons from the successful experience of agricultural insurance development at home and abroad, combining with the actual situation of Hainan Province. To provide practical and feasible countermeasures and suggestions for the further development of agricultural insurance in Hainan Province, to solve the urgent needs of agricultural insurance for farmers and agricultural enterprises in Hainan in the production process, and to ensure the orderly development of highly efficient agriculture in the tropics. Farmers to increase income and become rich, rural social stability. This paper theoretically reveals the deep reasons for the slow development of agricultural insurance in Hainan Province, defines the function of the main body of agricultural insurance market, and clarifies the position of agricultural insurance in agricultural development, which is helpful to the top level design of agricultural insurance market. In practice, this paper synthetically considers the basic situation of Hainan's agricultural production and financial strength, and puts forward some countermeasures and suggestions, which is of great guiding significance to the practice of Hainan's agricultural insurance. The innovation of this paper is that the successful agricultural insurance management model at home and abroad has been deeply studied, based on the basic reality of Hainan Province, such as financial support ability, agricultural production conditions, peasant household income level, and so on. The coordinated development of agricultural insurance in various forms of insurance organizations promotes the sustainable and healthy development of agricultural insurance in Hainan Province.
【学位授予单位】：海南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66
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