本文關(guān)鍵詞： 保險(xiǎn)公司 “新農(nóng)�！� 參與模式　出處：《遼寧大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：自十八大召開以來，，民生問題備受關(guān)注�！靶罗r(nóng)�！闭叩呢瀼貙�(shí)施及農(nóng)村社會(huì)養(yǎng)老保險(xiǎn)全面覆蓋的實(shí)現(xiàn)，不僅是做好民生工作的具體表現(xiàn)，而且是應(yīng)對(duì)老齡化社會(huì)挑戰(zhàn)的重要舉措�？梢�，有效解決農(nóng)村養(yǎng)老難問題已經(jīng)成為全面建成小康社會(huì)的必由之舉。但是，由于“新農(nóng)保”政策存在保險(xiǎn)方案與農(nóng)民實(shí)際需求不能完全匹配、操作不規(guī)范、體系運(yùn)行效率低下、保障水平有限等不足之處，使得農(nóng)村養(yǎng)老保險(xiǎn)體系構(gòu)建的效果未能達(dá)到預(yù)期的目標(biāo)。近年來，商業(yè)保險(xiǎn)公司不斷發(fā)展壯大，精算技術(shù)日趨成熟，保障水平與償付能力不斷提高，產(chǎn)品覆蓋范圍正在擴(kuò)大。基于上述優(yōu)勢(shì)，使保險(xiǎn)公司參與到“新農(nóng)保”體系建設(shè)中，必將促進(jìn)“新農(nóng)�！闭叩陌l(fā)展與完善。同時(shí)，這也會(huì)是一項(xiàng)雙贏的舉措。保險(xiǎn)公司在開展相關(guān)工作的過程中也將受益匪淺，一方面樹立了良好的社會(huì)形象；另一方面尋覓了新的利潤增長(zhǎng)點(diǎn)，這必將有利于其長(zhǎng)期盈利目標(biāo)的實(shí)現(xiàn)。因此，系統(tǒng)全面地研究保險(xiǎn)公司參與“新農(nóng)�！斌w系建設(shè)具有重大的理論及現(xiàn)實(shí)意義。 論文主要包括以下幾方面的內(nèi)容：首先，介紹了研究的背景、意義及國內(nèi)外研究現(xiàn)狀等。其次，詳細(xì)分析了保險(xiǎn)公司參與“新農(nóng)�！斌w系建設(shè)的理論依據(jù)、必要性與可行性。為使理論與實(shí)際聯(lián)系更緊密，論文基于調(diào)查問卷數(shù)據(jù)分析了體系建設(shè)的可行性。再次，分析了保險(xiǎn)公司參與“新農(nóng)保”體系建設(shè)的路徑選擇，這是研究的重中之重。在框架設(shè)計(jì)過程中，將定性分析與定量分析相結(jié)合，引入計(jì)量經(jīng)濟(jì)學(xué)模型和馬克維茨資產(chǎn)組合理論，使理論研究更加形象化、具體化，更具說服力。最后，從調(diào)動(dòng)保險(xiǎn)公司參與積極性、防范風(fēng)險(xiǎn)及化解矛盾三方面提出了保險(xiǎn)公司參與“新農(nóng)保”體系建設(shè)的政策建議。
[Abstract]:Since the 18 National Congress, people's livelihood issues have attracted much attention. The implementation of the "New Rural Insurance" policy and the realization of comprehensive coverage of rural social endowment insurance are not only the concrete manifestations of doing a good job of people's livelihood, It is also an important measure to deal with the challenge of aging society. It can be seen that effectively solving the problem of rural old-age support has become a must for building a well-to-do society in an all-round way. However, Because the policy of "New Rural Insurance" can't completely match the actual needs of farmers, the operation is not standardized, the system is inefficient, the level of security is limited, and so on. In recent years, commercial insurance companies have been developing and expanding, actuarial technology is becoming more and more mature, and the level of security and solvency has been improved. The scope of product coverage is expanding. Based on the above advantages, insurance companies will participate in the construction of "new rural insurance" system, which will promote the development and improvement of the "new rural insurance" policy. This will also be a win-win move. Insurance companies will also benefit greatly in the process of carrying out related work. On the one hand, they have established a good social image; on the other hand, they have sought new profit growth points. Therefore, it is of great theoretical and practical significance to systematically and comprehensively study insurance companies' participation in the construction of "New Rural Insurance" system. This paper mainly includes the following aspects: firstly, it introduces the background, significance and current situation of the research at home and abroad. Secondly, it analyzes the theoretical basis of the insurance company participating in the construction of "new rural insurance" system in detail. Necessity and feasibility. In order to make the theory and practice more closely linked, the paper analyzes the feasibility of the system construction based on the questionnaire data. Thirdly, it analyzes the path choice of insurance companies to participate in the construction of "new rural insurance" system. In the process of frame design, qualitative analysis and quantitative analysis are combined, and econometric model and Markowitz portfolio theory are introduced to make the theoretical research more visible and concrete. Finally, the paper puts forward some policy suggestions for insurance companies to participate in the construction of "new rural insurance" system from three aspects: arousing the participation enthusiasm of insurance companies, preventing risks and resolving contradictions.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.3

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