本文選題：種植業(yè)保險　切入點：發(fā)展現(xiàn)狀　出處：《延邊大學》2017年碩士論文　論文類型：學位論文

【摘要】：我國是農(nóng)業(yè)大國,在新常態(tài)下農(nóng)業(yè)經(jīng)濟在國民經(jīng)濟中的基礎性地位越發(fā)明顯,"三農(nóng)"問題已成為我國國民經(jīng)濟和社會發(fā)展的重中之重。我國自然災害頻發(fā),對農(nóng)業(yè)生產(chǎn)構成重大威脅,迫切需要來自社會的農(nóng)業(yè)風險保障,而種植業(yè)保險作為一種市場化、社會化的風險轉移和應對機制應運而生。種植業(yè)保險是市場經(jīng)濟條件下保護農(nóng)業(yè)、提高農(nóng)民收入、穩(wěn)定農(nóng)村經(jīng)濟的有效途徑,是確保國家糧食安全的重要措施,對建設社會主義新農(nóng)村及和諧社會發(fā)揮著積極的作用。本文運用文獻資料法、邏輯綜合法和訪談法等研究方法,對大洼區(qū)種植業(yè)保險的發(fā)展現(xiàn)狀進行研究,旨在為大洼區(qū)種植業(yè)保險的長效、健康發(fā)展進行有益的探討。本文在內(nèi)容上,首先以緒論開篇,介紹本文的研究背景與意義、國內(nèi)外研究現(xiàn)狀、研究內(nèi)容與方法,并就種植業(yè)保險的內(nèi)涵與相關理論展開分析。其次,從大洼區(qū)種植業(yè)及種植業(yè)風險情況、大洼區(qū)種植業(yè)保險發(fā)展成效、種植業(yè)保險發(fā)展存在的問題及導致這些問題存在的原因等方面分析了大洼區(qū)種植業(yè)保險發(fā)展的現(xiàn)狀。結果表明,大洼區(qū)種植業(yè)保險采取的是政策性農(nóng)業(yè)保險模式,經(jīng)過多年發(fā)展,取得了參保農(nóng)戶規(guī)模擴大、低保費和高補貼相結合、保費收入與保險賠付實現(xiàn)雙增長、承保機構服務水平提高、地方性種植業(yè)保險規(guī)章不斷完善等成績。但仍存在種植業(yè)保險供需相對不足、保費收繳困難、保障程度低、農(nóng)戶參保積極性不高等問題,究其原因,主要是因為制度層面缺乏健全性、政府支持力度不夠、農(nóng)民認識水平有限、保險經(jīng)營機構管理經(jīng)驗不足、勘察理賠機制不合理以及宣傳力度不足。再次,分析國內(nèi)外種植業(yè)保險發(fā)展的成功經(jīng)驗,獲得政府廣泛支持、有效引導非政府機構積極參與、不斷完備規(guī)章制度、注重強制與自愿投保的結合、提升經(jīng)營主體能力等有利于大洼區(qū)種植業(yè)保險發(fā)展的啟示。最后,建議通過完善法律與規(guī)章制度體系、政府加大扶持力度、提高保險公司經(jīng)營水平、提高農(nóng)戶參保積極性、提高勘察理賠效率以及提高宣傳力度和水平等措施,不斷促進大洼區(qū)種植業(yè)保險的健康發(fā)展。
[Abstract]:China is a big agricultural country, and the basic position of agricultural economy in the national economy is becoming more and more obvious under the new normal. The "agriculture, countryside and farmers" problem has become the top priority of the national economy and social development of our country. As a major threat to agricultural production, agricultural risk protection from society is urgently needed. As a kind of marketization, crop insurance is a kind of marketization. The socialized risk transfer and coping mechanism emerges as the times require. Planting insurance is an effective way to protect agriculture, increase farmers' income and stabilize rural economy under the condition of market economy, and is an important measure to ensure national food security. This paper uses the methods of literature, logic synthesis and interview to study the present situation of the development of planting insurance in Dawa area, which plays an active role in the construction of new socialist countryside and harmonious society. The purpose of this paper is to make a beneficial discussion on the long-term effect and healthy development of crop insurance in Dawa region. In this paper, the background and significance of the research, the current research situation at home and abroad, the contents and methods of the research are introduced in the first part of this paper. Secondly, from the situation of planting industry and the risk of planting industry in Dawa area, the development effect of planting insurance in Dawa area is analyzed. The problems existing in the development of planting insurance and the reasons leading to these problems are analyzed in this paper. The results show that the planting insurance in Dawa region adopts the policy mode of agricultural insurance. After many years of development, the scale of participating farmers has been expanded, the combination of low insurance fees and high subsidies, the increase of premium income and insurance indemnity has been realized, and the service level of underwriters has been improved. Local crop insurance regulations have been continuously improved. However, there are still problems such as relatively insufficient supply and demand of insurance for planting industry, difficulty in collecting premiums, low level of protection, low enthusiasm of farmers to participate in insurance, and so on. The reasons are investigated. It is mainly due to the lack of soundness in the system level, insufficient government support, limited understanding of farmers, inadequate management experience of insurance management organizations, unreasonable investigation and settlement mechanism and insufficient publicity. Again, To analyze the successful experiences of the development of crop insurance at home and abroad, to obtain extensive support from the government, to effectively guide the active participation of non-governmental organizations, to constantly complete the rules and regulations, and to pay attention to the combination of compulsory and voluntary insurance. Finally, it is suggested that through perfecting the system of laws and regulations, the government should increase its support, improve the management level of insurance companies, and increase the enthusiasm of farmers to participate in insurance. In order to promote the healthy development of planting insurance in Dawa area, we should improve the efficiency of investigation and claim settlement and improve the propaganda and level.
【學位授予單位】：延邊大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F842.66

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