湖北省政策性农业保险运营效用水平研究

发布时间：2018-12-12 23:48

【摘要】：农业是关系到我国十几亿人口生存问题的基础产业，农业的健康发展是国家繁荣和社会稳定的基石。一直以来，中央政府高度重视“三农”问题，历年中央一号文件均针对这一问题做出指示。当前，中央政府正全力推进农业现代化生产，深化农村金融改革，大幅度提高农民生活水平，政策性农业保险即是这项工作中的重要一环。农业保险作为稳定国家农业生产的一大重要手段，正在为多国使用。我国由于幅员辽阔，地理环境差异大，导致自然灾害频发，且灾害种类较多，每年造成数以百亿计的农业生产损失。所以，大力推动农业保险在我国的全面开展尤为重要。应该看到，我国政策性农业保险的开展还处于比较落后的状态，特别是农业保险起步晚的省份更是面临严峻形势。湖北省作为农业大省，其农业保险开展情况与其农业产量极不对称，全省有大面积的农作物处于保险空缺状态，对于农业生产的安全稳定形成了巨大隐患。本文运用层次分析法，构建了政策性农业保险运营效用水平评价体系，通过科学的方法客观反映出湖北省政策性农业保险的开展情况，并针对该情况做出了系统分析并提出了建议。具体来说，本文首先介绍了层次分析法的概念、步骤及使用方法，介绍了YAAHP软件使用方法，为后文计算各省份的政策性农业保险效用水平综合得分做好了技术方法上的铺垫；然后，介绍政策性农业保险的概念及我国目前政策性农业保险运营机制的种类，通过对政策性农业保险运营效用水平内涵的诠释，分析得出影响该效用水平的六项指标。笔者进而罗列了湖北省与其它省市关于这六项指标的相关数据，并运用YAAHP软件进行系统计算，得出了五个省份政策性农业保险效用水平综合得分，并详细分析了每项指标计算后的结果。通过对这些数据的分析，笔者总结出了具有针对性的湖北省政策性农业保险发展滞后原因，，结合案例对其做出分析。本文通过对政策性农业保险运营效用的研究得出了湖北省该项保险效用水平低下，存在财政补贴不足，宣传力度不够，农业保险市场混乱，赔偿额低的结论，并针对这些情况提出了具有可行性的优化措施及建议。
[Abstract]:Agriculture is the basic industry related to the survival of more than one billion people in China. The healthy development of agriculture is the cornerstone of national prosperity and social stability. All along, the central government attaches great importance to the issue of agriculture, countryside and farmers. At present, the central government is vigorously promoting modern agricultural production, deepening the rural financial reform, and greatly improving the living standards of farmers. Policy-oriented agricultural insurance is an important part of this work. As an important means to stabilize national agricultural production, agricultural insurance is being used by many countries. Because of its vast territory and great difference in geographical environment, our country often suffers from natural disasters, and there are many kinds of disasters, which cause tens of billions of losses in agricultural production every year. Therefore, vigorously promote agricultural insurance in China's comprehensive development is particularly important. It should be seen that the development of policy-oriented agricultural insurance in China is still relatively backward, especially in the provinces where agricultural insurance started late. As a big agricultural province, the development of agricultural insurance in Hubei Province is very asymmetric with its agricultural output. A large area of crops in Hubei Province is in a state of insurance vacancy, which has formed a huge hidden danger for the safety and stability of agricultural production. This paper constructs the evaluation system of operational utility level of policy-oriented agricultural insurance by using AHP, and objectively reflects the development of policy-oriented agricultural insurance in Hubei Province through scientific methods. A systematic analysis of the situation is made and some suggestions are put forward. Specifically, this paper first introduces the concept, steps and use of AHP, introduces the use of YAAHP software, for the later calculation of the comprehensive score of the policy agricultural insurance utility level in each province, the technical method of preparation; Then, this paper introduces the concept of policy-based agricultural insurance and the types of operational mechanism of policy-based agricultural insurance in China. Through the interpretation of the connotation of the operational utility level of policy-based agricultural insurance, six indicators affecting the utility level are obtained. The author then lists the relevant data of Hubei Province and other provinces on these six indicators, and makes a systematic calculation by using YAAHP software, and obtains the comprehensive score of the utility level of policy agricultural insurance in five provinces. The calculated results of each index are analyzed in detail. Through the analysis of these data, the author summarizes the reasons why the development of policy agricultural insurance in Hubei province lags behind. Through the research on the operational utility of policy-oriented agricultural insurance, this paper draws the conclusion that the utility level of this insurance in Hubei Province is low, the financial subsidy is insufficient, the propaganda is not enough, the agricultural insurance market is chaotic, and the compensation is low. Finally, some feasible optimization measures and suggestions are put forward.
【学位授予单位】：武汉轻工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66

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