我国农业保险制度发展对策研究
发布时间：2019-02-11 16:12
【摘要】：农业是立国之本,农业的发展是一个关系到国计民生的大问题,然而拥有一套系统而完备的农业保险体系,可以对农业生产稳定起到有效地保驾护航的作用,这不仅单纯地保护着农业的发展,更对社会的稳定,甚至政治经济的发展发挥着不可磨灭的作用。多年来,国内外有众多学者从多角度展开对农业保险制度的研究,国外学者从宏观和微观层面对农业保险制度分别进行了研究。而国内学者也从我国农业保险的发展模式、制度选择和农业保险立法等方面对我国农业保险的发展展开了研究。从我国开展农业保险以来,很多问题摆在我们面前,经过国家多年来的探索与研究,终于在2004年做出了,我国要开展政策性农业保险的重大决议,这成为了我国农业保险发展史上不可小觑的一笔,这一笔将成为我国农业保险发展的重要转折点。虽然经过几年来的试点运行,政策性农业保险在新的形势下的发展取得了一定的成绩,但是我们也不得不承认,这其中也暴露了一些我国在发展农业保险过程中所忽视的一些问题。 本文着眼于我国农业保险制度的发展历程,纵观我国农业保险发展史,深入发掘现阶段我国农业保险发展存在的问题。同时,通过对发达国家和发展中国家开展的农业保险制度的发展过程进行横向对比,在对比中我们得出美国的政策模式更加适合我国的国情,而法国由于较高的国民教育程度和保险意识与我国的基本情况存在这一些差异,对此我们并不考虑借鉴,因此在积极吸取他国先进经验的基础上,要合理选择适合本国发展的先进经验,在考虑到本国国情的基础上恰当地加以借鉴。最后,作者大胆展望了我国未来农业保险的发展趋势,提出了政策性农业保险的经营模式,并主要从四大方面考虑了未来我国农业保险制度的建设,即：政府的财政补贴以及税收优惠政策方面、继续加强完善农业保险制度的法律法规、加快建立巨灾风险制度以及农业保险的再保险制度以及建立有中国特色的区域性农业保险制度。本文作者诚挚地希望文中所提观点能够为发展我国农业保险制度所用,尽快将一套适合我国国情的农业保险制度服务到广大农民群众,真正让农民群众切实体会到国家强大了,人民生活水平提高了,生活有保障了,幸福指数提高了。
[Abstract]:Agriculture is the foundation of the country, and the development of agriculture is a major problem related to the national economy and the people's livelihood. However, having a systematic and complete agricultural insurance system can effectively protect the stability of agricultural production. This not only protects the development of agriculture, but also plays an indelible role in social stability and even the development of political economy. For many years, many scholars at home and abroad have carried out research on agricultural insurance system from various angles, and foreign scholars have studied agricultural insurance system from macro and micro levels respectively. Meanwhile, domestic scholars have also studied the development of agricultural insurance in China from the aspects of development mode, system choice and legislation of agricultural insurance. Since the development of agricultural insurance in China, many problems have been put before us. After many years of exploration and research by the country, it was finally made in 2004. Our country will launch a major resolution on policy-oriented agricultural insurance. This has become an important turning point in the development of agricultural insurance in China. Although the development of policy-oriented agricultural insurance has made some achievements in the new situation after several years of pilot operation, we still have to admit that This also exposed some problems that our country ignored in the process of developing agricultural insurance. This paper focuses on the development process of agricultural insurance system in China, looks at the development history of agricultural insurance in China, and explores the problems existing in the development of agricultural insurance in China at this stage. At the same time, through the horizontal comparison of the development process of agricultural insurance system in developed and developing countries, we draw a conclusion that the policy model of the United States is more suitable for the national conditions of our country. However, because of the differences between France's higher national education level and insurance awareness and the basic situation of our country, we do not consider drawing lessons from them, so we are actively absorbing the advanced experience of other countries. We should rationally choose the advanced experience suitable for our country's development and draw lessons from it on the basis of considering our national conditions. Finally, the author boldly looks forward to the development trend of China's future agricultural insurance, puts forward the management mode of policy-oriented agricultural insurance, and mainly considers the construction of future agricultural insurance system in China from four aspects. That is, the government's financial subsidies and preferential tax policies continue to strengthen laws and regulations to improve the agricultural insurance system. We should speed up the establishment of catastrophe risk system, the reinsurance system of agricultural insurance and the establishment of regional agricultural insurance system with Chinese characteristics. The author sincerely hopes that the views put forward in this paper can be used for the development of China's agricultural insurance system, and that a set of agricultural insurance systems suitable for China's national conditions will be served to the broad masses of farmers as soon as possible, so that the peasants can truly realize that the country is strong. The standard of living of the people has been improved, life has been guaranteed, and the happiness index has been raised.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66
本文编号：2419892
[Abstract]:Agriculture is the foundation of the country, and the development of agriculture is a major problem related to the national economy and the people's livelihood. However, having a systematic and complete agricultural insurance system can effectively protect the stability of agricultural production. This not only protects the development of agriculture, but also plays an indelible role in social stability and even the development of political economy. For many years, many scholars at home and abroad have carried out research on agricultural insurance system from various angles, and foreign scholars have studied agricultural insurance system from macro and micro levels respectively. Meanwhile, domestic scholars have also studied the development of agricultural insurance in China from the aspects of development mode, system choice and legislation of agricultural insurance. Since the development of agricultural insurance in China, many problems have been put before us. After many years of exploration and research by the country, it was finally made in 2004. Our country will launch a major resolution on policy-oriented agricultural insurance. This has become an important turning point in the development of agricultural insurance in China. Although the development of policy-oriented agricultural insurance has made some achievements in the new situation after several years of pilot operation, we still have to admit that This also exposed some problems that our country ignored in the process of developing agricultural insurance. This paper focuses on the development process of agricultural insurance system in China, looks at the development history of agricultural insurance in China, and explores the problems existing in the development of agricultural insurance in China at this stage. At the same time, through the horizontal comparison of the development process of agricultural insurance system in developed and developing countries, we draw a conclusion that the policy model of the United States is more suitable for the national conditions of our country. However, because of the differences between France's higher national education level and insurance awareness and the basic situation of our country, we do not consider drawing lessons from them, so we are actively absorbing the advanced experience of other countries. We should rationally choose the advanced experience suitable for our country's development and draw lessons from it on the basis of considering our national conditions. Finally, the author boldly looks forward to the development trend of China's future agricultural insurance, puts forward the management mode of policy-oriented agricultural insurance, and mainly considers the construction of future agricultural insurance system in China from four aspects. That is, the government's financial subsidies and preferential tax policies continue to strengthen laws and regulations to improve the agricultural insurance system. We should speed up the establishment of catastrophe risk system, the reinsurance system of agricultural insurance and the establishment of regional agricultural insurance system with Chinese characteristics. The author sincerely hopes that the views put forward in this paper can be used for the development of China's agricultural insurance system, and that a set of agricultural insurance systems suitable for China's national conditions will be served to the broad masses of farmers as soon as possible, so that the peasants can truly realize that the country is strong. The standard of living of the people has been improved, life has been guaranteed, and the happiness index has been raised.
【学位授予单位】：中南林业科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66
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