政策性农业保险对农村经济发展的影响研究

发布时间：2019-01-01 12:23

【摘要】：农村经济的发展是国家经济发展理论研究的核心问题,拥有一套系统并且完善的农业保险体系,可以对农业生产起到有效地保驾护航的作用。近年来,中央政府高度关注农业保险的发展,我国政策性农业保险在面临良好发展机遇的同时,也存在诸多制约因素。农业保险是连接农村和农村经济的重要环节,对保证乡村经济的稳定、保障乡村社会的稳定、推进乡村经济的改革有重大的影响力,农业保险借助现代保险的金融管理功能和潜在风险分摊功能有效的化解了在农业生产中遭遇到的自然灾害、病虫害和疫病等影响粮食减产、农民欠收、粮食市场供给失调、种粮积极性不高的尴尬局面。我国现行的农业保险制度就是一种政策性农业保险制度,这种保险制度是依附于政府农业补贴,不以盈利为目的保险政策。政策性农业保险发展现状与问题研究,对推进农业保险更广泛更深入服务三农,建设小康社会具有重要的现实性意义。文章研究的对象是我国政策性农业保险发展的现状,通过对发展历程和现状的分析,一方面表明政策性农业保险取得了一定的进步,发挥了聚集风险,灾后补偿的作用,切实参与到了农村社会管理之中,在实现城乡发展一体化、农业现代化中发挥了至关重要的作用；另一方面提出了政策性农业保险在发展环境,政策性农业保险本身具备的不足以及保险公司经营政策性农业保险存在的问题几个方面存在的问题,这几个方面的问题能否解决也是政策性农业保险能否更广泛、更深入的推进的的关键,也是本文通过研究需要解决的问题。通过对问题的分析,最终提出了意见建议：为政策性农业保险营造良性的发展氛围；充分发挥政府的主导作用,体现农业保险的政策性提高保险公司经营政策性农业保险的积极性。为政策性农业保险的推进提出了合理化建议。
[Abstract]:The development of rural economy is the core problem of the theory of national economic development. Having a systematic and perfect agricultural insurance system can effectively protect agricultural production. In recent years, the central government pays close attention to the development of agricultural insurance. Agricultural insurance is an important link linking rural areas and rural economy. It has great influence on ensuring the stability of rural economy, ensuring the stability of rural society and promoting the reform of rural economy. With the help of the financial management function and the potential risk sharing function of modern insurance, agricultural insurance effectively resolves the natural disasters encountered in agricultural production, diseases, pests, and epidemics that affect grain production, farmers' failure to harvest, and the imbalance in the supply of grain markets. An awkward situation in which the enthusiasm for growing grain is not high. China's current agricultural insurance system is a policy-oriented agricultural insurance system, which is dependent on the government agricultural subsidies, not for profit as the purpose of insurance policy. The research on the present situation and problems of policy-oriented agricultural insurance is of practical significance in promoting agricultural insurance to serve agriculture, countryside and farmers more widely and deeply, and to build a well-off society. The research object of this paper is the current situation of the development of policy-oriented agricultural insurance in China. Through the analysis of the development process and present situation, it is shown that policy-oriented agricultural insurance has made some progress and played the role of aggregate risk and post-disaster compensation. Participate in the rural social management, in the realization of urban and rural development integration, agricultural modernization has played a vital role; On the other hand, it points out the problems in the development environment, the shortcomings of policy-oriented agricultural insurance and the problems existing in the insurance companies' operation of policy-oriented agricultural insurance. Whether these problems can be solved or not is the key of whether policy-oriented agricultural insurance can be promoted more widely and deeply, and is also the problem that needs to be solved through the research in this paper. Finally, through the analysis of the problems, some suggestions are put forward: to create a benign development atmosphere for policy-oriented agricultural insurance; Give full play to the leading role of the government and embody the policy of agricultural insurance to improve the enthusiasm of insurance companies to operate policy-oriented agricultural insurance. Put forward rationalization suggestion for policy agriculture insurance.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66;F323

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