A省农业保险精准扶贫问题研究

发布时间：2018-06-02 06:41

本文选题：农业保险精准扶贫 + 分散风险　；参考：《郑州大学》2017年硕士论文

【摘要】：到2020年实现农村贫困人口全部脱贫,全面建成小康社会是我国第一个百年奋斗目标最艰巨的任务。受经济、环境、历史等条件的影响,A省国家级贫困县占全省的48.31%,每年因灾返贫的比例高达30%,如何化解农业风险成为农村贫困人口脱贫的重要突破口。2016年5月,中国保监会和国务院扶贫办签署发布《关于做好保险业助推脱贫攻坚工作的意见》,重点强调农业保险在精准扶贫中的不可替代性,加强农业保险分散农业风险、防灾减损功能和精准扶贫工作对接。2017年中央一号文件连续第14年聚焦“三农”工作,13处提到保险,对管控农业风险的保险业提出了更高的要求。农业保险亦被赋予和加载新的功能作用,从基础的经济补偿向防灾减灾、社会管理、扶贫开发、担保增信等综合功能拓展,以促进经济发展、转变政府职能、完善社会治理、保障改善民生,防止贫困农户因灾返贫。农业保险精准扶贫采用政府进行保费补贴和拨付精准扶贫专款的方法,引入保险公司进行市场运作,对受灾贫困农户进行损失补偿,托住农村贫困人口因灾返贫的底。在中央保险精准扶贫攻坚的战略指导下,A省省委、省政府相继出台印发《保险业助推精准扶贫精准脱贫工作的指导意见》、《农业保险精准扶贫工作方案》等文件,指导全省农业保险精准扶贫工作,取得了一定的成效,但也存在一些问题。如供给侧结构性改革不足、基层财政保费补贴跟进不上、贫困农户对农业保险精准扶贫的认识不到位、农业保险保障程度不足等,严重影响着农业保险精准扶贫工作的推进。上述问题的存在,倒逼保险公司加大农业保险精准扶贫创新,兼顾多方主体利益,建立多层次保障体系。定性分析和文献研究表明,增强保险公司承保、理赔环节风险防范能力,开发和运用新技术提升服务能力,加强管控能力建设,加强农险专业队伍建设;优化财政资金配置,拓宽扶贫资金获取渠道,把农业保险精准扶贫政策和其他支农惠农政策进行绑定;加强农业保险精准扶贫宣传,设立农业保险精准扶贫示范村、示范县;开展特色农产品保险创新、指数保险创新,提高保障程度、覆盖率等,都是改善农业保险精准扶贫工作的有效途径。
[Abstract]:It is the most arduous task for our country to achieve the goal of the first hundred years to lift the poor population out of poverty and build a well-off society in an all-round way by 2020. Affected by economic, environmental, historical and other conditions, the poverty-stricken counties at the national level in A province account for 48.31% of the province's total poverty, and the proportion of people returning to poverty due to disasters is as high as 30% each year. How to resolve agricultural risks has become an important breakthrough for rural poor people to get out of poverty. In May 2016, The CIRC and the Poverty Alleviation Office of the State Council signed and issued the "opinions on how to do a good job in helping the Insurance Industry to overcome Poverty", emphasizing the irreplaceable role of agricultural insurance in helping the poor with precision, and strengthening agricultural insurance to spread agricultural risks. Disaster prevention and reduction function and precision poverty alleviation work. The 2017 document No. 1 has focused on insurance for the 14th consecutive year, raising higher requirements for the insurance industry, which controls agricultural risks. Agricultural insurance has also been given and loaded with new functions, from basic economic compensation to comprehensive functions such as disaster prevention and mitigation, social management, poverty alleviation and development, guarantee and credit enhancement, in order to promote economic development, transform government functions, and improve social governance. To ensure the improvement of people's livelihood and prevent poor farmers from returning to poverty as a result of disasters. The methods of government premium subsidy and special fund allocation are adopted in the precision poverty alleviation of agricultural insurance. Insurance companies are introduced to carry out market operation to compensate the affected poor farmers for their losses, and to support the poor people in rural areas to return to poverty because of the disaster. Under the strategic guidance of the central insurance industry to tackle the critical problems of poverty alleviation, the provincial Party committee and the provincial government have successively issued and issued the guiding opinions of the Insurance Industry on promoting Precision Poverty Alleviation, and the Agricultural Insurance Precision Poverty Alleviation Program, and other documents. Guiding the province's agricultural insurance precision poverty alleviation work, has achieved certain results, but there are some problems. If the supply-side structural reform is insufficient, the grass-roots financial premium subsidies are not followed up, the poor farmers' understanding of the precision poverty alleviation of agricultural insurance is not in place, and the degree of agricultural insurance security is insufficient, which seriously affects the promotion of the precision poverty alleviation work of agricultural insurance. The existence of the above problems forces insurance companies to increase the precision of agricultural insurance poverty alleviation innovation, taking into account the interests of multiple parties, to establish a multi-level security system. Qualitative analysis and literature research show that insurance companies should strengthen their ability to insure against risks in insurance and claim adjustment, develop and apply new technologies to enhance their service capacity, strengthen the construction of management and control capacity, strengthen the construction of specialized agricultural insurance teams, and optimize the allocation of financial funds. Widen the channels of obtaining poverty alleviation funds, bind the policy of precision poverty alleviation of agricultural insurance with other policies of supporting agriculture and benefit agriculture, strengthen the propaganda of precision poverty alleviation of agricultural insurance, set up demonstration villages and demonstration counties of precision poverty alleviation of agricultural insurance; Developing characteristic agricultural product insurance innovation, index insurance innovation, improving security degree, coverage rate and so on, are all effective ways to improve the precision poverty alleviation work of agricultural insurance.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.66;F323.8

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