通河县农业保险发展问题研究

发布时间：2019-04-02 00:00

【摘要】：近些年来，通河县农业保险的发展取得了较好的效果。但是，农业保险的发展仍然存在着许多的问题。本文的研究主要是对通河县农业保险发展问题开展研究，通过对通河县农业保险的调查研究，有利于规范农业保险市场的发展，，促进农业发展模式转型，为现代农业发展模式提供强有力的保障，带动通河县农业经济迅速发展，增加农户经济收入，早日实现现代农业产业化生产，为今后通河县农业保险发展提供借鉴作用。通过运用所学保险学理论和农村金融理论知识，以及运用文献查询法、实地调查法和实证分析与规范分析相结合方法，对通河县农业保险发展现状及问题进行研究分析，为农业保险的发展提出对策建议，规范农村金融市场，为农业生产提供保障，降低农业风险，加快农业经济发展。随着市场经济改革，竞争不断增强，大力发展现代农业，这些都离不开农业保险的支持。通过本文的研究得出：根据农业保险的特有属性等特点，农业保险的发展属于政策性目标，以解决“三农”问题为基准，属于政策性农业保险范畴，而不是纯粹的商业性保险；农户承担能力较弱，农户保险缴费不明晰，农户的风险管理意识薄弱，对农业保险的认知较差。要想促进通河县农业保险的发展，必须明确保费交费制度，增强农户的风险管理意识，让农户对农业保险有一个正确认识；专门的农业保险法缺乏，农业保险市场环境有待优化；加强政府对农业保险的扶持力度，增强监管部门的监管力度。
[Abstract]:In recent years, the development of agricultural insurance in Tonghe County has achieved better results. However, there are still many problems in the development of agricultural insurance. The research in this paper is mainly on the development of agricultural insurance in Tonghe County. Through the investigation and research of agricultural insurance in Tonghe County, it is beneficial to standardize the development of agricultural insurance market and promote the transformation of agricultural development mode. It can provide a powerful guarantee for modern agricultural development model, promote the rapid development of agricultural economy in Tonghe County, increase the income of farmers, realize the industrialization of modern agriculture as soon as possible, and provide reference for the development of agricultural insurance in Tonghe County in the future. Through the application of insurance theory and rural finance theory, as well as the combination of literature inquiry, field investigation, empirical analysis and normative analysis, the present situation and problems of agricultural insurance development in Tonghe County are studied and analyzed. This paper puts forward some countermeasures and suggestions for the development of agricultural insurance, standardizes the rural financial market, provides guarantee for agricultural production, reduces agricultural risk, and accelerates the development of agricultural economy. Along with the market economy reform, the competition strengthens ceaselessly, develops the modern agriculture vigorously, these all cannot leave the agricultural insurance support. According to the characteristics of agricultural insurance, the development of agricultural insurance belongs to the policy target, which is based on solving the problem of "agriculture, countryside and farmers", and belongs to the category of policy agricultural insurance rather than pure commercial insurance. Farmers' ability to bear insurance is weak, farmers' insurance contribution is not clear, farmers' awareness of risk management is weak, and their cognition of agricultural insurance is poor. In order to promote the development of agricultural insurance in Tonghe County, it is necessary to clarify the premium payment system, strengthen farmers' awareness of risk management, and make farmers have a correct understanding of agricultural insurance. Lack of special agricultural insurance law, agricultural insurance market environment needs to be optimized; strengthen government support for agricultural insurance, strengthen supervision of regulatory departments.
【学位授予单位】：中国农业科学院
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66

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