發(fā)布時(shí)間：2018-03-02 17:22

  本文選題：農(nóng)房保險(xiǎn)　切入點(diǎn)：意識　出處：《蘭州財(cái)經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)村住房保險(xiǎn)早在20世紀(jì)80年代就在江西、福建、浙江等省開始局部試點(diǎn),但進(jìn)入20世紀(jì)90年代后由于賠付率高及相關(guān)制度不成熟,試點(diǎn)工作陷入停滯狀態(tài)。2004年以來,中共中央及國務(wù)院連續(xù)在每年1號文件中明確要求穩(wěn)步推進(jìn)政策性農(nóng)房保險(xiǎn)試點(diǎn),這為重啟農(nóng)房保險(xiǎn)提供了良好的政策環(huán)境。2006年8月福建在全國率先啟動(dòng)了政策性農(nóng)房保險(xiǎn)的全省試點(diǎn)工作,現(xiàn)在已有浙江、甘肅、廣東、江西、湖南、湖北、云南、四川、甘肅、貴州等10多個(gè)省份開展了范圍大小不同的農(nóng)房保險(xiǎn)試點(diǎn)。2012年以來,甘肅省各個(gè)保險(xiǎn)機(jī)構(gòu)利用現(xiàn)有的補(bǔ)貼政策和政府補(bǔ)貼資源,加強(qiáng)承保能力建設(shè),擴(kuò)大承保覆蓋面,并推動(dòng)特色優(yōu)勢產(chǎn)業(yè)保險(xiǎn)試點(diǎn)工作,積極探索涉農(nóng)保險(xiǎn)新領(lǐng)域,逐步擴(kuò)大農(nóng)房保險(xiǎn)、農(nóng)村家庭綜合財(cái)產(chǎn)保險(xiǎn)等保險(xiǎn)覆蓋面,提高農(nóng)房保險(xiǎn)惠農(nóng)水平,農(nóng)房保險(xiǎn)開始滲入到甘肅省各個(gè)農(nóng)戶中。本文結(jié)合對甘肅省農(nóng)房保險(xiǎn)近幾年改革發(fā)展?fàn)顩r的調(diào)研和試點(diǎn)當(dāng)?shù)亻_展的農(nóng)村民房保險(xiǎn)的概況及發(fā)展困境的分析,設(shè)計(jì)了調(diào)查問卷,選舉有代表性的試點(diǎn)縣區(qū)進(jìn)行書面調(diào)查和隨機(jī)采訪相融合的方法,了解農(nóng)戶關(guān)于農(nóng)房保險(xiǎn)的認(rèn)識程度以及購買情況。同時(shí)也對當(dāng)?shù)氐恼ぷ魅藛T、保險(xiǎn)銷售人員做了細(xì)致的訪問。通過問卷調(diào)查的結(jié)果進(jìn)行模型的選取和回歸分析,對數(shù)據(jù)進(jìn)行計(jì)量分析和總結(jié),并提出推進(jìn)甘肅省農(nóng)房保險(xiǎn)推廣與發(fā)展的策略,提出確保農(nóng)房保險(xiǎn)順利實(shí)施的保障條件,最終推動(dòng)各個(gè)試點(diǎn)農(nóng)房保險(xiǎn)工作的快速順利開展,進(jìn)而推動(dòng)整個(gè)甘肅省其他地區(qū)農(nóng)房保險(xiǎn)惠農(nóng)政策的開展。
[Abstract]:As early as 1980s, rural housing insurance started some pilot projects in Jiangxi, Fujian, Zhejiang and other provinces. However, since 1990s, due to the high compensation rate and immature related systems, the pilot work has stalled. Since 2004, The Central Committee of the Communist Party of China and the State Council have made it clear in their annual document No. 1 that the pilot project of policy-oriented agricultural housing insurance should be steadily promoted. In August 2006, Fujian took the lead in launching the provincial pilot work of policy-oriented agricultural housing insurance in China. Now there are Zhejiang, Gansu, Guangdong, Jiangxi, Hunan, Hubei, Yunnan, Sichuan, More than 10 provinces such as Gansu and Guizhou have carried out pilot projects of agricultural housing insurance of different sizes. Since 2012, various insurance institutions in Gansu Province have made use of existing subsidy policies and government subsidy resources to strengthen the construction of underwriting capacity and expand coverage coverage. And to promote the pilot work of characteristic advantage industry insurance, actively explore new fields of agriculture-related insurance, gradually expand the coverage of agricultural housing insurance, comprehensive property insurance of rural families, and raise the level of agricultural housing insurance benefits to farmers. Agricultural house insurance has begun to infiltrate into every farmer in Gansu province. This paper designs a questionnaire based on the investigation of the reform and development of agricultural house insurance in Gansu Province in recent years and the analysis of the general situation and development difficulties of the rural housing insurance carried out in the pilot area. The election of representative pilot counties and districts was conducted through a combination of written surveys and random interviews to find out the extent of farmers' understanding of and purchase of agricultural housing insurance. At the same time, it also aimed at local government workers. Insurance salesmen made a detailed interview. Through the results of the questionnaire survey model selection and regression analysis, quantitative analysis and summary of the data, and put forward to promote the promotion and development of agricultural housing insurance in Gansu Province, The paper puts forward the guarantee conditions to ensure the smooth implementation of agricultural housing insurance, and finally promotes the rapid and smooth development of agricultural housing insurance work in each pilot project, and then promotes the development of agricultural housing insurance benefits policy in other areas of Gansu Province.
【學(xué)位授予單位】：蘭州財(cái)經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.6

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