我国政策性农业保险参与主体行为研究
发布时间：2019-03-14 13:50
【摘要】：农业作为国民经济的基础产业，其生产是否稳定直接影响着整个社会经济的发展。农业风险具有风险单位大、发生频率高、损失规模大、区域效应明显等特点。因此，农业也是一个高风险的弱质产业。农业保险作为一种市场化风险转移和应对机制，其重要性不言而喻。自2003年底，我国新一轮农业保险试点实施以来，农业保险取得了显著的成绩，农业保险尤其是政策性农业保险在我国取得了实质性的进展。同时，，一些问题也随着农业保险的深入开展正不断显现。本文分别对农业保险的三方主体，即农户、保险公司、政府的行为特征进行分析，并建立了农户与保险公司、政府与保险公司之间的博弈模型，最后针对出现的问题提出了相应的政策建议。 论文共分为六个部分： 第一章绪论。本部分主要介绍本文研究的背景、目的和意义，阐述农业保险国内外研究现状，说明本文研究的方法，并对技术路线进行大致描述，最后提出本文研究的主要创新点和不足之处。 第二章政策性农业保险相关概念及理论基础。本部分主要阐述了农业保险、政策性农业保险的相关概念及理论基础。 第三章国内外政策性农业保险发展概况。本部分首先论述了我国政策性农业保险曲折发展历程、曲折发展的制约因素及我国政策性农业保险的近期探索。其次对国外农业保险发展过程中的典型模式进行了逐一的论述。最后得出国内外政策性农业保险经典模式对我国的启示。 第四章政策性农业保险参与主体行为特征分析。本章对农业保险三方参与主体农户、保险公司、政府的行为特征进行了透彻的分析，为下章三方主体博弈打下理论基础。 第五章政策性农业保险参与主体博弈分析。本部分主要针对农业保险实践过程中出现的违规行为建立了农户与保险公司、政府与保险公司的博弈模型。通过两者之间的博弈分析，提出了行为优化策略，以期促进政策性农业保险健康运行。 第六章促进我国政策性农业保险发展的政策建议。根据以上分析，分别从农户、保险公司、政府三个角度提出促进我国农业保险可持续发展的相关政策建议。
[Abstract]:As the basic industry of national economy, whether the production of agriculture is stable or not directly affects the development of the whole society and economy. Agricultural risk has the characteristics of large unit of risk, high frequency of occurrence, large scale of loss and obvious regional effect. Therefore, agriculture is also a high-risk weak industry. Agricultural insurance as a market-oriented risk transfer and response mechanism, its importance is self-evident. Since the implementation of a new round of agricultural insurance in China at the end of 2003, agricultural insurance has made remarkable achievements. Agricultural insurance, especially policy-based agricultural insurance, has made substantial progress in China. At the same time, some problems are also emerging with the further development of agricultural insurance. This paper analyzes the behavior characteristics of farmers, insurance companies and governments, and sets up a game model between farmers and insurance companies, government and insurance companies, and analyzes the behavior characteristics of the three parties of agricultural insurance, namely, farmers, insurance companies and the government. Finally, the corresponding policy recommendations are put forward to solve the problems. The thesis is divided into six parts: the first chapter is introduction. This part mainly introduces the background, purpose and significance of this study, expounds the status quo of agricultural insurance research at home and abroad, explains the methods of this research, and describes the technical route roughly. Finally, the main innovations and shortcomings of this paper are put forward. The second chapter is related concepts and theoretical basis of policy-oriented agricultural insurance. This part mainly elaborated the agricultural insurance, the policy agricultural insurance related concept and the theoretical foundation. The third chapter is about the development of policy-oriented agricultural insurance at home and abroad. This part first discusses the development of policy-oriented agricultural insurance in China, the restrictive factors and the recent exploration of policy-based agricultural insurance in China. Secondly, the typical models in the development of foreign agricultural insurance are discussed one by one. Finally, the enlightenment of the classical mode of policy-oriented agricultural insurance at home and abroad to our country is obtained. The fourth chapter is the analysis of the behavior characteristics of policy-oriented agricultural insurance participants. This chapter makes a thorough analysis of the behavior characteristics of the farmers, insurance companies and governments of the three parties involved in agricultural insurance, which lays a theoretical foundation for the next chapter of the game between the three parties. The fifth chapter is the game analysis of policy-oriented agricultural insurance participants. In this part, the game model between farmers and insurance company, government and insurance company is established for the illegal behavior in agricultural insurance practice. In order to promote the healthy operation of policy-based agricultural insurance, the strategy of behavior optimization is put forward through the game analysis between the two. The sixth chapter is the policy suggestion to promote the development of policy-oriented agricultural insurance in our country. According to the above analysis, from the farmers, insurance companies, the government three angles to promote the sustainable development of China's agricultural insurance policy recommendations.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66;F224.32
本文编号：2440035
[Abstract]:As the basic industry of national economy, whether the production of agriculture is stable or not directly affects the development of the whole society and economy. Agricultural risk has the characteristics of large unit of risk, high frequency of occurrence, large scale of loss and obvious regional effect. Therefore, agriculture is also a high-risk weak industry. Agricultural insurance as a market-oriented risk transfer and response mechanism, its importance is self-evident. Since the implementation of a new round of agricultural insurance in China at the end of 2003, agricultural insurance has made remarkable achievements. Agricultural insurance, especially policy-based agricultural insurance, has made substantial progress in China. At the same time, some problems are also emerging with the further development of agricultural insurance. This paper analyzes the behavior characteristics of farmers, insurance companies and governments, and sets up a game model between farmers and insurance companies, government and insurance companies, and analyzes the behavior characteristics of the three parties of agricultural insurance, namely, farmers, insurance companies and the government. Finally, the corresponding policy recommendations are put forward to solve the problems. The thesis is divided into six parts: the first chapter is introduction. This part mainly introduces the background, purpose and significance of this study, expounds the status quo of agricultural insurance research at home and abroad, explains the methods of this research, and describes the technical route roughly. Finally, the main innovations and shortcomings of this paper are put forward. The second chapter is related concepts and theoretical basis of policy-oriented agricultural insurance. This part mainly elaborated the agricultural insurance, the policy agricultural insurance related concept and the theoretical foundation. The third chapter is about the development of policy-oriented agricultural insurance at home and abroad. This part first discusses the development of policy-oriented agricultural insurance in China, the restrictive factors and the recent exploration of policy-based agricultural insurance in China. Secondly, the typical models in the development of foreign agricultural insurance are discussed one by one. Finally, the enlightenment of the classical mode of policy-oriented agricultural insurance at home and abroad to our country is obtained. The fourth chapter is the analysis of the behavior characteristics of policy-oriented agricultural insurance participants. This chapter makes a thorough analysis of the behavior characteristics of the farmers, insurance companies and governments of the three parties involved in agricultural insurance, which lays a theoretical foundation for the next chapter of the game between the three parties. The fifth chapter is the game analysis of policy-oriented agricultural insurance participants. In this part, the game model between farmers and insurance company, government and insurance company is established for the illegal behavior in agricultural insurance practice. In order to promote the healthy operation of policy-based agricultural insurance, the strategy of behavior optimization is put forward through the game analysis between the two. The sixth chapter is the policy suggestion to promote the development of policy-oriented agricultural insurance in our country. According to the above analysis, from the farmers, insurance companies, the government three angles to promote the sustainable development of China's agricultural insurance policy recommendations.
【学位授予单位】：山东农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.66;F224.32
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