本文選題：政策性農(nóng)業(yè)保險(xiǎn)　切入點(diǎn)：利益協(xié)同　出處：《湖南農(nóng)業(yè)大學(xué)》2013年博士論文　論文類型：學(xué)位論文

【摘要】：全球生態(tài)環(huán)境的惡化導(dǎo)致自然災(zāi)害發(fā)生的頻率和強(qiáng)度加劇,農(nóng)業(yè)生產(chǎn)風(fēng)險(xiǎn)增大并且集中化,災(zāi)害事故的破壞力和經(jīng)濟(jì)損失越來越大。從2004年到2013年(除2011年外),9個(gè)中央“一號文件”都提出了要大力發(fā)展政策性農(nóng)業(yè)保險(xiǎn)。然而,農(nóng)業(yè)保險(xiǎn)的特殊性(農(nóng)業(yè)風(fēng)險(xiǎn)的弱可保性、農(nóng)業(yè)保險(xiǎn)標(biāo)的的脆弱性、農(nóng)業(yè)保險(xiǎn)產(chǎn)品的準(zhǔn)公共物品性等)和各主體參與保險(xiǎn)的目的不同等因素造成了農(nóng)業(yè)保險(xiǎn)三大主體潛在利益的沖突,而有效的利益協(xié)同機(jī)制的缺失導(dǎo)致主體間的潛在沖突現(xiàn)實(shí)化。政策性農(nóng)業(yè)保險(xiǎn)各主體共同形成一個(gè)開放的協(xié)同系統(tǒng),單個(gè)主體為其子系統(tǒng),在自組織過程中,通過子系統(tǒng)之間的協(xié)同,能夠逐漸從無序演進(jìn)到有序、從低級有序演進(jìn)到高級有序,形成政策性農(nóng)業(yè)保險(xiǎn)健康、可持續(xù)發(fā)展的局面。政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同是農(nóng)業(yè)保險(xiǎn)可持續(xù)發(fā)展的關(guān)鍵,是促進(jìn)政策性農(nóng)業(yè)保險(xiǎn)的“內(nèi)生式”發(fā)展道路,協(xié)同的根本聯(lián)結(jié)點(diǎn)是利益。 本研究首次將協(xié)同學(xué)理論和保險(xiǎn)學(xué)理論相結(jié)合,通過定性描述和定量分析,對我國政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同進(jìn)行了研究。本研究分為三大部分： 第一部分即第一章和第二章,主要闡述研究的目的與意義、國內(nèi)外研究動(dòng)態(tài)、研究的思路與方法、主要內(nèi)容與研究創(chuàng)新和研究的理論基礎(chǔ)。 第二部分由第三章到第五章組成。這一部分分別從協(xié)同度的評價(jià)和協(xié)同效應(yīng)的分析兩方面對政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同進(jìn)行了現(xiàn)實(shí)評價(jià)。首先,通過構(gòu)建SAR模型評價(jià)政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同度。經(jīng)過測算,我國政策性農(nóng)業(yè)保險(xiǎn)系統(tǒng)歷年的協(xié)同度都比較低。這揭示了我國政策性農(nóng)業(yè)保險(xiǎn)系統(tǒng)各子系統(tǒng)在特定時(shí)間段內(nèi)的關(guān)聯(lián)并不強(qiáng),表明在該時(shí)間段內(nèi)我國政策性農(nóng)業(yè)保險(xiǎn)系統(tǒng)在宏觀上仍處于低有序的發(fā)展?fàn)顟B(tài)中。其次,基于農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同演化的歷程和實(shí)例對政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同效應(yīng)進(jìn)行分析。本研究認(rèn)為,農(nóng)業(yè)保險(xiǎn)系統(tǒng)的演進(jìn)同樣是周期性成長、螺旋式上升,與協(xié)同效應(yīng)的演化規(guī)律相符合,在大的演化規(guī)律中包含了小的演化規(guī)律。并以農(nóng)業(yè)大省湖南省為例,對樣本采用描述方法和構(gòu)建Logistic模型來分析政策性農(nóng)業(yè)保險(xiǎn)系統(tǒng)各主體利益的協(xié)同效應(yīng)。同時(shí),探析了政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同動(dòng)力,揭示了驅(qū)動(dòng)政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同演進(jìn)的各種力量。 第三部分由第六章到第七章組成。這一部分主要從三個(gè)方面對政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同機(jī)制的完善提出建議：一是激勵(lì)機(jī)制的完善,即各主體在追求自身利益的同時(shí)也能達(dá)到政策性農(nóng)業(yè)保險(xiǎn)系統(tǒng)穩(wěn)健發(fā)展目標(biāo),這主要通過政策性農(nóng)業(yè)保險(xiǎn)合同的合理設(shè)計(jì)來實(shí)現(xiàn)；二是保障機(jī)制的完善,即如何保持各主體的目標(biāo)行為與整個(gè)系統(tǒng)的發(fā)展方向相符,這主要通過政策性農(nóng)業(yè)保險(xiǎn)產(chǎn)品的創(chuàng)新來實(shí)現(xiàn);三是效率機(jī)制的完善,即如何提高各主體的行動(dòng)效率,這主要通過雙到戶模式的采用與智能系統(tǒng)的引入來實(shí)現(xiàn)。政策性農(nóng)業(yè)保險(xiǎn)各主體利益協(xié)同機(jī)制的完善,有助于政策性農(nóng)業(yè)保險(xiǎn)的長期穩(wěn)定健康發(fā)展。
[Abstract]:The deterioration of the global ecological environment resulting in increased frequency and intensity of natural disasters, agricultural production and increase the risk of centralized, destructive disasters and accidents and economic loss is growing. From 2004 to 2013 (except 2011) 9, the Central Committee has proposed to vigorously develop the agricultural insurance policy. However, the particularity of agricultural insurance (weak insurability of the agricultural risk of agricultural insurance vulnerability, the quasi public goods of agricultural insurance products and insurance etc.) the main purpose of participation in different factors caused the potential conflicts of interest are the three bodies of agricultural insurance, and lack of effective interest coordination mechanism led to the reality of the potential conflict between subjects. The main agricultural insurance policy coordination together form an open system, a single body is the subsystem in the self-organization process, through cooperation between subsystems, Can gradually from disorder to orderly evolution, from low to high order orderly evolution, the formation of policy agricultural insurance, the sustainable development of the agricultural insurance policy situation. The main interests of the cooperative is the key to the sustainable development of agricultural insurance, is to promote the endogenous agricultural insurance policy "" development, collaborative fundamental connection is of interest.
This study combines the synergetics theory with the insurance theory for the first time. Through qualitative description and quantitative analysis, we study the interest synergy of all the main body of the policy agricultural insurance in China. The research is divided into three parts.
The first part is the first and second chapters. It mainly expounds the purpose and significance of the research, the research trend at home and abroad, the train of thought and method, the main contents, and the theoretical foundation of research innovation and research.
The second part from the third chapter to the fifth chapter. This part analyzes respectively from the evaluation of synergy and synergy of the two aspects of the policy agricultural insurance interests are collaborative realistic evaluation. Firstly, by constructing a SAR model to evaluate the policy agricultural insurance interest coordination. Through calculation, the synergy degree of our country the policy agricultural insurance system over the years are relatively low. This reveals China's agricultural insurance policy system of each subsystem associated within a certain period of time is not strong, that in the period of China's agricultural insurance policy system in the macro development is still in the state of low order. Secondly, process and examples the co evolution of agricultural insurance based on the interests of policy agricultural insurance interest synergy were analyzed. This study suggests that the evolution of agricultural insurance system is also a cyclical growth. Rising, evolution and the synergistic effect is consistent with that of in the evolution of the evolution contains small. And the major agricultural province of Hunan Province as an example, the sample by synergy description method and Logistic model to analyze the policy agricultural insurance system in the interests of the subject. At the same time, on the the main policy agricultural insurance interests of the cooperative power, reveals the driving force of agricultural insurance policy the main interests of the cooperative evolution.
The third part from the sixth chapter to the seventh chapter. This part mainly from three aspects to improve the agricultural insurance policy interest coordination mechanism and puts forward some suggestions: one is to improve the incentive mechanism, the main body can also achieve the goal of steady development of policy agricultural insurance system in the pursuit of their own interests at the same time, the main through the reasonable design of policy agricultural insurance contract to implement; two is safeguard mechanism, namely how to maintain the development direction of the main body of the target behavior and the whole system is consistent, mainly through policy agricultural insurance product innovation is realized; the three is to improve the efficiency of the mechanism, which is how to improve the efficiency of action this is mainly through to the double, and the introduction of intelligent systems to achieve the user mode. The main policy agricultural insurance interests coordination mechanism, to help the agricultural insurance policy long The period is stable and healthy development.

【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2013
【分類號】：F842.66

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