本文關(guān)鍵詞： 農(nóng)業(yè)保險(xiǎn) 障礙 對(duì)策　出處：《湖南農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)業(yè)保險(xiǎn)正式在我國開展的時(shí)間并不長,但其對(duì)農(nóng)業(yè)經(jīng)濟(jì)的發(fā)展所起的促進(jìn)作用已得到各界的認(rèn)可,最近幾年盡管我國農(nóng)業(yè)保險(xiǎn)得到了快速發(fā)展,但與發(fā)達(dá)國家相比尚存在一定的不足,找到影響我國農(nóng)業(yè)保險(xiǎn)發(fā)展的主要障礙,并提出相應(yīng)的解決對(duì)策對(duì)于促進(jìn)我國農(nóng)業(yè)保險(xiǎn)發(fā)展具有很強(qiáng)的現(xiàn)實(shí)指導(dǎo)意義。本文首先詳細(xì)闡述了研究的背景,明確了研究目的,并對(duì)研究意義進(jìn)行了分析,在對(duì)國內(nèi)外研究動(dòng)態(tài)進(jìn)行詳細(xì)梳理的情況下確定了本文的研究思路和基本研究方法。接著對(duì)農(nóng)業(yè)保險(xiǎn)基本理論進(jìn)行了概述,隨后在對(duì)我國農(nóng)業(yè)保險(xiǎn)發(fā)展現(xiàn)狀及目前影響農(nóng)業(yè)保險(xiǎn)發(fā)展的主要障礙進(jìn)行深入分析的基礎(chǔ)上,提出了促進(jìn)我國農(nóng)業(yè)保險(xiǎn)發(fā)展的對(duì)策,全文共分四大部分,各部分主要內(nèi)容及觀點(diǎn)如下：第一大部分：對(duì)農(nóng)業(yè)保險(xiǎn)基本理論進(jìn)行概述,闡述了農(nóng)業(yè)保險(xiǎn)的定義及農(nóng)業(yè)保險(xiǎn)的分類,并對(duì)農(nóng)業(yè)保險(xiǎn)的特性進(jìn)行了深刻分析,并明確了在現(xiàn)階段下農(nóng)業(yè)保險(xiǎn)所具有的基本功能。第二大部分：對(duì)我國農(nóng)業(yè)保險(xiǎn)的發(fā)展現(xiàn)狀分別從農(nóng)業(yè)保險(xiǎn)運(yùn)行模式現(xiàn)狀及農(nóng)業(yè)保險(xiǎn)經(jīng)營現(xiàn)狀兩個(gè)方面進(jìn)行了深入分析,通過分析可以看到,目前我國農(nóng)業(yè)保險(xiǎn)有四種主要的經(jīng)營模式,即專業(yè)農(nóng)業(yè)保險(xiǎn)公司經(jīng)營模式、政府主導(dǎo)下的商業(yè)保險(xiǎn)經(jīng)營模式、共保經(jīng)營模式和互助合作經(jīng)營模式。同時(shí)目前我國農(nóng)業(yè)保險(xiǎn)經(jīng)營規(guī)模逐漸擴(kuò)大,保險(xiǎn)覆蓋面不斷擴(kuò)大,財(cái)政補(bǔ)貼力度不斷加強(qiáng),參保人數(shù)不斷增加,農(nóng)業(yè)保險(xiǎn)得到了快速發(fā)展。第三大部分：對(duì)目前影響我國農(nóng)業(yè)保險(xiǎn)健康發(fā)展的主要障礙進(jìn)行了深刻分析,這是本文研究的重點(diǎn)章節(jié),從利益相關(guān)者的角度來看,來自政府主體方面的障礙主要表現(xiàn)在保險(xiǎn)補(bǔ)貼品種不能滿足實(shí)際需求、補(bǔ)貼層級(jí)過廣、補(bǔ)貼隨意性大、監(jiān)管體系不完善、相關(guān)法律制度缺失等方面；來自承保機(jī)構(gòu)方面的障礙主要表現(xiàn)在查勘定損、理賠服務(wù)有待提升、保險(xiǎn)品種有待進(jìn)一步改革、承保金額過低、專業(yè)技術(shù)人才缺乏、基層服務(wù)體系不夠完善等方面；來自投保戶方面的障礙主要表現(xiàn)在務(wù)農(nóng)收入比重逐年下降,農(nóng)業(yè)保險(xiǎn)吸引力有限、務(wù)農(nóng)農(nóng)民受教育水平有限,對(duì)農(nóng)業(yè)保險(xiǎn)理解不夠等方面。第四大部分：在第三大部分對(duì)影響我國農(nóng)業(yè)保險(xiǎn)發(fā)展的主要障礙進(jìn)行深入分析的基礎(chǔ)上,有針對(duì)性地從完善監(jiān)管體系、完善補(bǔ)貼政策、規(guī)范并提升經(jīng)營機(jī)構(gòu)服務(wù)水平、提高農(nóng)戶參保需求等方面提出了促進(jìn)我國農(nóng)業(yè)保險(xiǎn)發(fā)展的相關(guān)建議。
[Abstract]:Agricultural insurance has not been officially developed in China for a long time, but its role in promoting the development of agricultural economy has been recognized by all walks of life. In recent years, despite the rapid development of agricultural insurance in China, However, compared with the developed countries, there are still some shortcomings, to find out the main obstacles to the development of agricultural insurance in China. And put forward the corresponding solutions to promote the development of agricultural insurance in China has a strong practical significance. Firstly, this paper elaborated the background of the research, clear the purpose of the study, and analyzed the significance of the research. The research ideas and basic research methods of this paper are determined by combing the research trends at home and abroad in detail, and then the basic theory of agricultural insurance is summarized. Then, on the basis of deeply analyzing the current situation of agricultural insurance development and the main obstacles affecting the development of agricultural insurance in China, the paper puts forward the countermeasures to promote the development of agricultural insurance in China. The full text is divided into four parts. The main contents and viewpoints of each part are as follows: the first part: the basic theory of agricultural insurance is summarized, the definition and classification of agricultural insurance are expounded, and the characteristics of agricultural insurance are deeply analyzed. The second part: the development situation of agricultural insurance in China is analyzed from two aspects: the current situation of agricultural insurance operation mode and the current situation of agricultural insurance management. Through analysis, we can see that there are four main modes of operation of agricultural insurance in our country, namely, the management mode of specialized agricultural insurance companies and the commercial insurance business mode under the guidance of the government. At the same time, at the same time, the scale of agricultural insurance in China is gradually expanding, the coverage of insurance is constantly expanding, the intensity of financial subsidies is constantly being strengthened, and the number of people participating in the insurance is increasing. Agricultural insurance has developed rapidly. The third part: the main obstacles affecting the healthy development of agricultural insurance in China are deeply analyzed, which is the key chapter of this paper, from the perspective of stakeholders, The main obstacles from the government are that the varieties of insurance subsidies can not meet the actual needs, the subsidy levels are too wide, the subsidies are arbitrary, the regulatory system is not perfect, and the relevant legal system is missing. The obstacles from the underwriting institutions are mainly reflected in the following aspects: the investigation and determination of damage, the improvement of claim service, the further reform of insurance varieties, the low underwriting amount, the lack of professional and technical personnel, the imperfect service system at the grass-roots level, and so on; The main obstacles from the insured households are that the proportion of agricultural income is declining year by year, the attraction of agricultural insurance is limited, and the education level of farmers is limited. 4th: on the basis of in-depth analysis of the main obstacles affecting the development of agricultural insurance in China, the third part is focused on perfecting the supervision system and subsidy policy. Some suggestions are put forward to promote the development of agricultural insurance in China from the aspects of standardizing and improving the service level of management institutions and raising the demand of farmers to participate in insurance.
【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.66

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