本文選題：農(nóng)業(yè)保險(xiǎn) + 財(cái)政補(bǔ)貼�。� 參考：《鄭州大學(xué)》2014年碩士論文

【摘要】：農(nóng)業(yè)是人類(lèi)的衣食之源、生存之本,無(wú)論是從經(jīng)濟(jì)的角度、社會(huì)的角度還是政治的角度,農(nóng)業(yè)都是基礎(chǔ),農(nóng)業(yè)的發(fā)展關(guān)乎國(guó)民經(jīng)濟(jì)的發(fā)展,關(guān)乎社會(huì)的安定和民族的獨(dú)立。農(nóng)業(yè)的發(fā)展會(huì)受到各種復(fù)雜風(fēng)險(xiǎn)的沖擊,農(nóng)業(yè)保險(xiǎn)是管理農(nóng)業(yè)風(fēng)險(xiǎn)進(jìn)而穩(wěn)定農(nóng)業(yè)發(fā)展的有效手段。研究農(nóng)業(yè)保險(xiǎn)對(duì)于增進(jìn)社會(huì)福利具有積極意義。由于農(nóng)業(yè)保險(xiǎn)具有的特殊屬性,其發(fā)展離不開(kāi)政府的支持。而我國(guó)支持農(nóng)業(yè)保險(xiǎn)最重要的方式就是實(shí)施財(cái)政補(bǔ)貼,研究財(cái)政補(bǔ)貼對(duì)于農(nóng)業(yè)保險(xiǎn)的作用就十分有意義。 農(nóng)業(yè)保險(xiǎn)具有準(zhǔn)公共物品的屬性,農(nóng)戶預(yù)測(cè)農(nóng)業(yè)生產(chǎn)出現(xiàn)風(fēng)險(xiǎn)時(shí)會(huì)得到一定的保險(xiǎn)賠款,投保農(nóng)險(xiǎn)不但可以解決生產(chǎn)的擔(dān)憂,還刺激了生產(chǎn)的積極性,農(nóng)民加步勞作,增產(chǎn)增收,有利于農(nóng)業(yè)的健康發(fā)展。農(nóng)業(yè)又是國(guó)民經(jīng)濟(jì)中非常重要的環(huán)節(jié),所以發(fā)展農(nóng)業(yè)保險(xiǎn)有一系列的正效應(yīng),但是私人部門(mén)無(wú)力單獨(dú)提供可以產(chǎn)生如此正作用的物品；另一方面,農(nóng)戶雖然非常需要農(nóng)業(yè)保險(xiǎn)產(chǎn)品來(lái)對(duì)抗農(nóng)業(yè)風(fēng)險(xiǎn)彌補(bǔ)損失,但是單純由市場(chǎng)定價(jià)的產(chǎn)品價(jià)位超出了農(nóng)戶可以接受的水平,綜合這供給和需求兩方面的因素,農(nóng)業(yè)保險(xiǎn)存在明顯的市場(chǎng)失靈現(xiàn)象,如果想要得到發(fā)展就需要政府的支持。 我國(guó)自從正式實(shí)施對(duì)于農(nóng)業(yè)保險(xiǎn)的保費(fèi)給予財(cái)政補(bǔ)貼以來(lái),從補(bǔ)貼范圍的擴(kuò)大、補(bǔ)貼險(xiǎn)種的增加到補(bǔ)貼力度的提升,都顯示了政府對(duì)農(nóng)業(yè)保險(xiǎn)的重視。而補(bǔ)貼的不斷發(fā)展也刺激了農(nóng)戶的投保的熱情,從實(shí)證的角度構(gòu)建面板數(shù)據(jù)回歸模型,選取中央財(cái)政補(bǔ)貼額度和保費(fèi)收入為指標(biāo),進(jìn)一步量化分析也可以發(fā)現(xiàn)由于中央財(cái)政的補(bǔ)貼,農(nóng)戶投保熱情被激發(fā),農(nóng)業(yè)保險(xiǎn)發(fā)展迅速。盡管如此,農(nóng)業(yè)保險(xiǎn)的財(cái)政補(bǔ)貼也存在一些問(wèn)題,影響補(bǔ)貼效率,進(jìn)一步發(fā)展應(yīng)總結(jié)問(wèn)題并做出改進(jìn),這樣有助于推動(dòng)政策性農(nóng)業(yè)保險(xiǎn)的發(fā)展,促進(jìn)經(jīng)濟(jì)社會(huì)的和諧發(fā)展。
[Abstract]:Agriculture is the source of human food and clothing, the root of survival, whether from the economic point of view, social perspective or political perspective, agriculture is the basis, the development of agriculture is related to the development of the national economy, the stability of society and the independence of the nation.The development of agriculture will be impacted by various complex risks. Agricultural insurance is an effective means to manage agricultural risks and stabilize agricultural development.The study of agricultural insurance has positive significance for promoting social welfare.Because of the special attribute of agricultural insurance, its development can not be separated from the support of the government.The most important way to support agricultural insurance in China is to implement financial subsidies.Agricultural insurance has the attribute of quasi-public goods. Farmers will get certain insurance indemnity when there is a risk in agricultural production. Insurance against agricultural insurance can not only solve the worries of production, but also stimulate the enthusiasm of production.Increasing production and income is conducive to the healthy development of agriculture.Agriculture is also a very important link in the national economy, so the development of agricultural insurance has a series of positive effects, but the private sector is unable to provide such positive goods alone; on the other hand,Although farmers badly need agricultural insurance products to counter agricultural risks to compensate for losses, the price of products priced solely by the market exceeds the level that farmers can accept, combining these supply and demand factors.Agricultural insurance exists obvious market failure phenomenon, if want to get development, need government support.Since the formal implementation of the financial subsidy for the insurance premium of agricultural insurance, the government has attached great importance to agricultural insurance from the expansion of subsidy scope and the increase of subsidy coverage to the enhancement of subsidy intensity.The continuous development of subsidies also stimulates the enthusiasm of farmers to insure, from the perspective of empirical panel data regression model, select the central financial subsidies and premium income as indicators.Further quantitative analysis also shows that farmers' enthusiasm for insurance is stimulated and agricultural insurance develops rapidly because of subsidies from central finance.However, there are some problems in the financial subsidy of agricultural insurance, which affect the efficiency of subsidy, and further development should be summarized and improved, which will help to promote the development of policy-oriented agricultural insurance and promote the harmonious development of economy and society.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.66;F812.8

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本文編號(hào)：1754249