本文關(guān)鍵詞： 農(nóng)業(yè)保險 效益評價 經(jīng)營模式 多層次灰色評價模型　出處：《東北農(nóng)業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：黑龍江墾區(qū)作為我國最重要的商品糧基地和糧食戰(zhàn)略后備基地,是我國商品糧調(diào)出量最大的省份,在保障國家糧食安全和我國農(nóng)業(yè)發(fā)展方面具有重大的作用。同時黑龍江墾區(qū)地處我國北部邊陲,自然災(zāi)害種類繁多,發(fā)生頻率高,危害較大,這對墾區(qū)農(nóng)業(yè)的發(fā)展產(chǎn)生重大的影響。而農(nóng)業(yè)作為國民經(jīng)濟的基礎(chǔ),關(guān)系著經(jīng)濟發(fā)展、社會安定和國家自立,同時農(nóng)業(yè)自身的特點也決定其具有弱質(zhì)性,是投入大、周期長、抵御自然災(zāi)害和市場風(fēng)險能力較差的弱質(zhì)產(chǎn)業(yè)。因此,為了提高農(nóng)業(yè)抵御風(fēng)險的能力,我們需要大力發(fā)展農(nóng)業(yè)保險。 木文總共分為六章。首先介紹了本文的相關(guān)概念和理論基礎(chǔ)。分別介紹了相互制農(nóng)業(yè)保險和相互制農(nóng)業(yè)保險經(jīng)營模式的相關(guān)概念,并比較了相互制農(nóng)業(yè)保險經(jīng)營模式和我國其他農(nóng)業(yè)保險經(jīng)營模式的異同,剖析了相互制農(nóng)業(yè)保險經(jīng)營模式的優(yōu)勢和不足。其次從黑龍江墾區(qū)相互制農(nóng)業(yè)保險經(jīng)營模式的發(fā)展歷程、運營現(xiàn)狀和相關(guān)法律政策的建設(shè)現(xiàn)狀闡述了黑龍江墾區(qū)相互制農(nóng)業(yè)保險經(jīng)營模式的發(fā)展現(xiàn)狀,在此基礎(chǔ)上提出了黑龍江墾區(qū)相互制農(nóng)業(yè)保險經(jīng)營模式存在以下問題：組織結(jié)構(gòu)不規(guī)范、不完善的法律法規(guī)制約經(jīng)營模式的發(fā)展、“三方籌集”保費的新模式未實施到位、應(yīng)對巨災(zāi)風(fēng)險的能力缺乏和資金和規(guī)模限制。對此,我們有必要借鑒國外發(fā)達國家的經(jīng)驗。本文主要分析的是法、日兩國及亞洲發(fā)展中國家農(nóng)業(yè)相互保險經(jīng)營模式的經(jīng)驗。在對國外發(fā)展農(nóng)業(yè)相互保險經(jīng)營模式的經(jīng)驗進行比較分析的基礎(chǔ)上,總結(jié)了國外農(nóng)業(yè)相互保險經(jīng)營模式的發(fā)展給我國帶來的一些啟示,期望為我國農(nóng)業(yè)相互保險的發(fā)展提供經(jīng)驗借鑒,以充分發(fā)揮相互保險公司制運用在農(nóng)業(yè)保險中的優(yōu)勢。 通過以上分析之后,為了更好的評價黑龍江墾區(qū)自2005年實施相互制農(nóng)業(yè)保險經(jīng)營模式以來的綜合效益,木文從經(jīng)濟效益,社會效益,生態(tài)效益三個方面選取了12個評價指標(biāo),建立了黑龍江墾區(qū)相互制農(nóng)業(yè)保險經(jīng)營模式綜合效益評價指標(biāo),然后運用多層次灰色評價模型對黑龍江墾區(qū)相互制農(nóng)業(yè)保險經(jīng)營模式的綜合效益進行了分析研究,著重評價了黑龍江墾區(qū)相互制農(nóng)業(yè)保險經(jīng)營模式在墾區(qū)農(nóng)業(yè)、社會生活各方面產(chǎn)生的經(jīng)濟效益、社會效益和環(huán)境效益,結(jié)果顯示,相互制農(nóng)業(yè)保險實施后,墾區(qū)農(nóng)業(yè)保險對農(nóng)業(yè)生產(chǎn)和社會生活產(chǎn)生的經(jīng)濟效益、社會效益和環(huán)境效益,綜合效益逐年增加。對此提出了針對黑龍江墾區(qū)農(nóng)業(yè)相互保險發(fā)展的有效對策：要規(guī)范相互制農(nóng)業(yè)保險經(jīng)營模式中的主體行為,建立有效的風(fēng)險分擔(dān)機制,完善相互制農(nóng)業(yè)保險財政補貼和相關(guān)政策,完善農(nóng)業(yè)相互保險公司的管理機制充分發(fā)揮相互制農(nóng)業(yè)保險的作用,推進中國農(nóng)業(yè)保險體系建設(shè)。
[Abstract]:As the most important commodity grain base and strategic grain reserve base in China, Heilongjiang Reclamation area is the province with the largest volume of commodity grain transfers in China. At the same time, Heilongjiang Reclamation region is located in the northern border of our country. There are many kinds of natural disasters, high frequency and great harm. This has had a significant impact on the development of agriculture in reclamation areas. As the foundation of the national economy, agriculture is related to economic development, social stability and national self-reliance. At the same time, the characteristics of agriculture itself also determine its weak quality, with a large investment and a long period of time. Therefore, in order to improve the ability of agriculture to resist risks, we need to develop agricultural insurance vigorously. The paper is divided into six chapters. Firstly, the related concepts and theoretical basis of this paper are introduced. The related concepts of mutual agricultural insurance and the management mode of mutual agricultural insurance are introduced respectively. And the similarities and differences between the management mode of mutual agricultural insurance and other agricultural insurance management models in China are compared. The advantages and disadvantages of the management mode of mutual agricultural insurance are analyzed. Secondly, the development course of the management mode of mutual agricultural insurance in Heilongjiang Reclamation area is analyzed. The present situation of operation and the construction of related laws and policies have expounded the present situation of the development of the management mode of mutual system agricultural insurance in Heilongjiang Reclamation area. On this basis, the paper puts forward the following problems in the management mode of mutual system agricultural insurance in Heilongjiang Reclamation area: the organization structure is not standardized, the imperfect laws and regulations restrict the development of the management model, and the new mode of "tripartite raising" premium is not put into effect. The ability to deal with catastrophe risk and the limitation of capital and scale. For this reason, it is necessary for us to learn from the experience of foreign developed countries. The experience of agricultural mutual insurance business model between Japan and Asian developing countries. On the basis of comparative analysis of the experience of foreign countries in developing agricultural mutual insurance business model, This paper summarizes some enlightenment brought to our country by the development of foreign agricultural mutual insurance management mode, and expects to provide experience and reference for the development of agricultural mutual insurance in China, so as to give full play to the advantages of mutual insurance company system in agricultural insurance. After the above analysis, in order to better evaluate the comprehensive benefit of the management mode of mutual system agricultural insurance since 2005, 12 evaluation indexes were selected from three aspects of economic, social and ecological benefits in Heilongjiang Reclamation area. The comprehensive benefit evaluation index of the management mode of mutual agricultural insurance in Heilongjiang reclamation area is established, and the comprehensive benefit of the management mode of mutual system agricultural insurance in Heilongjiang reclamation area is analyzed and studied by using the multi-level grey evaluation model. This paper emphatically evaluates the economic, social and environmental benefits of the management mode of mutual agricultural insurance in agriculture and social life in Heilongjiang Reclamation area. The results show that after the implementation of mutual agricultural insurance, The economic, social and environmental benefits of agricultural insurance for agricultural production and social life in reclamation areas, The comprehensive benefit is increasing year by year. The effective countermeasures for the development of agricultural mutual insurance in Heilongjiang Reclamation area are put forward: standardizing the main body behavior in the management mode of mutual agricultural insurance, establishing an effective risk-sharing mechanism, We will improve the financial subsidies and related policies of mutual agricultural insurance, improve the management mechanism of agricultural mutual insurance companies and give full play to the role of mutual agricultural insurance, and promote the construction of China's agricultural insurance system.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.66

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