本文選題：農(nóng)村　切入點：保險　出處：《中南林業(yè)科技大學》2013年碩士論文　論文類型：學位論文

【摘要】：作為農(nóng)業(yè)大國,我國農(nóng)民人口數(shù)量約8個億,廣闊的農(nóng)村保險市場可以說還是一塊未經(jīng)過雕琢的璞玉,其商業(yè)價值毋庸置疑。近幾年來,在經(jīng)濟持續(xù)穩(wěn)定、快速發(fā)展的大環(huán)境下,保險業(yè)更是得到了蓬勃發(fā)展,保險的保障范圍基本上實現(xiàn)了社會的全覆蓋,保險業(yè)務(wù)在農(nóng)村更是獲得了長足的發(fā)展,在保持農(nóng)村社會的穩(wěn)定、保障農(nóng)民基本生活等方面起到了積極的作用。但是我們也應看到,由于我國保險業(yè)起步較晚,農(nóng)村保險更是最近幾年才有所發(fā)展,農(nóng)民對保險認識不夠、認同不高,對其防范風險的作用不了解,地域發(fā)展差異,分散聚居,流動性大等問題仍客觀存在,導致農(nóng)村保險市場發(fā)展艱難。本文從農(nóng)村保險信用入手,通過對農(nóng)村保險信用狀況的研究,總結(jié)了目前我國農(nóng)村保險信用管理存在的問題并提出了解決的對策建議,希望對保障農(nóng)民生活、提高農(nóng)民風險防范意識、保持農(nóng)村生活穩(wěn)定,充分發(fā)揮保險社會穩(wěn)定器的作用等方面有所幫助。 本文主要采用比較、實證相結(jié)合的方法,對以下五個方面進行了探討研究：一是,從信用、保險信用、保險信用管理方面入手,簡要介紹了國內(nèi)外關(guān)于研究保險信用的理論,同時對文章的主要內(nèi)容進行了概述,對本文的創(chuàng)新點及存在的不足做了說明；二是,系統(tǒng)闡述了對農(nóng)村保險信用管理的研究,重點對我國農(nóng)村保險信用管理存在的問題做了剖析,并就發(fā)展前景做了展望；三是,介紹了美、日、英等國家成熟的保險市場的信用管理經(jīng)驗,通過分析比較發(fā)現(xiàn),這些國家沒有就單獨農(nóng)村保險信用進行管理,而是整社會化管理,總結(jié)出了其農(nóng)村保險市場信用管理的一般化特征；四是,就我國農(nóng)村保險信用管理的現(xiàn)狀及存在的問題進行了整理,并對其存在的問題進行了原因分析；五是,對健全農(nóng)村保險信用管理的必要性和可行性進行了論證,認為農(nóng)民的生活安定、農(nóng)業(yè)的發(fā)展,保險的社會區(qū)域全覆蓋等方面的實現(xiàn)都要求有健全的農(nóng)村保險信用管理,并在此基礎(chǔ)上提出了健全農(nóng)村保險信用管理的對策和建議：健全信用法律法規(guī)制度、建立全國性的信用體系；建立保險行業(yè)自身信用系統(tǒng)、啟動聲譽評價機制;規(guī)范從業(yè)人員資質(zhì),建立懲戒制度；營造誠信社會大環(huán)境,加大農(nóng)村教育投入；加大對農(nóng)村經(jīng)濟的扶植力度,切實提高農(nóng)民的經(jīng)濟收入。
[Abstract]:As a large agricultural country, the population of farmers in China is about 800 million. The vast rural insurance market can be said to be an uncut uncut uncut jade, and its commercial value is beyond doubt. In recent years, the economy has continued to be stable. With the rapid development of the environment, the insurance industry has been flourishing, the insurance coverage has basically realized the full coverage of the society, the insurance business in rural areas has been greatly developed, and the stability of the rural society has been maintained. But we should also see that because the insurance industry in China started relatively late, rural insurance has only developed in recent years, and farmers do not have enough knowledge and recognition of insurance. It is difficult to develop the rural insurance market because of the lack of understanding of the role of risk prevention, the difference of regional development, the scattered and concentrated residence, and the large mobility, etc. This paper starts with the rural insurance credit. Through the study of rural insurance credit situation, this paper summarizes the problems existing in the management of rural insurance credit in our country and puts forward some countermeasures and suggestions, hoping to ensure the farmers' life, improve their awareness of risk prevention, and maintain the stability of rural life. Give full play to the role of social stabilizer insurance and other aspects of help. This paper mainly adopts the method of comparison and demonstration to study the following five aspects: first, from the aspects of credit, insurance credit and insurance credit management, this paper briefly introduces the theory of studying insurance credit at home and abroad. At the same time, the main contents of the article are summarized, and the innovation and shortcomings of this paper are explained. Secondly, the research on rural insurance credit management is systematically expounded. The problems existing in the management of rural insurance credit in China are analyzed, and the development prospects are forecasted. Thirdly, it introduces the credit management experience of the mature insurance markets in the United States, Japan, Britain and other countries, and finds out through analysis and comparison. These countries did not manage the rural insurance credit alone, but managed the whole society, summing up the general characteristics of credit management in the rural insurance market. Fourth, In this paper, the present situation and existing problems of rural insurance credit management in China are sorted out, and the causes of the problems are analyzed. 5, the necessity and feasibility of perfecting rural insurance credit management are demonstrated. It is believed that the realization of farmers' life stability, the development of agriculture and the full coverage of social areas of insurance all require sound rural insurance credit management. On this basis, the author puts forward the countermeasures and suggestions to improve rural insurance credit management: perfecting the credit laws and regulations system, establishing the national credit system, establishing the insurance industry's own credit system, and starting the reputation evaluation mechanism; Standardize the qualification of practitioners, establish a disciplinary system, create a good faith society environment, increase rural education investment, strengthen the support of rural economy, and effectively improve the economic income of farmers.
【學位授予單位】：中南林業(yè)科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842;F323.89

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