本文選題：PL保險(xiǎn)公司　切入點(diǎn)：農(nóng)業(yè)保險(xiǎn)　出處：《東北大學(xué)》2013年碩士論文

【摘要】：PL保險(xiǎn)公司自1983年恢復(fù)開(kāi)辦農(nóng)業(yè)保險(xiǎn)以來(lái),經(jīng)歷了恢復(fù)試辦、市場(chǎng)運(yùn)作、探索嘗試和高速發(fā)展四個(gè)階段,雖然在發(fā)揮保險(xiǎn)的基本職能和派生職能,提高全民的保險(xiǎn)認(rèn)知程度,促進(jìn)信貸對(duì)農(nóng)業(yè)的支持,放大政府財(cái)政資金的投入效應(yīng)等方面發(fā)揮的一定的作用,但仍存在一些不容忽視的問(wèn)題,例如缺乏財(cái)政配套資金的約束機(jī)制、承保機(jī)構(gòu)管理水平不高、農(nóng)戶(hù)的道德風(fēng)險(xiǎn)和逆選擇嚴(yán)重、缺少有效的巨災(zāi)風(fēng)險(xiǎn)分散機(jī)制等。導(dǎo)致目前PL保險(xiǎn)公司農(nóng)業(yè)保險(xiǎn)發(fā)展與農(nóng)村經(jīng)濟(jì)發(fā)展、農(nóng)民需求不相適應(yīng),公司經(jīng)營(yíng)政策性農(nóng)業(yè)保險(xiǎn)的經(jīng)營(yíng)模式使農(nóng)業(yè)保險(xiǎn)出現(xiàn)“供需雙冷”的現(xiàn)象,導(dǎo)致農(nóng)業(yè)保險(xiǎn)的“市場(chǎng)失靈”及其低效率。 針對(duì)上述PL保險(xiǎn)公司農(nóng)業(yè)保險(xiǎn)發(fā)展中存在的問(wèn)題,本文立足于農(nóng)業(yè)保險(xiǎn)的基本理論,通過(guò)對(duì)國(guó)內(nèi)外農(nóng)業(yè)保險(xiǎn)的經(jīng)營(yíng)模式和經(jīng)驗(yàn)借鑒,在分析了PL保險(xiǎn)公司農(nóng)業(yè)保險(xiǎn)發(fā)展歷程和現(xiàn)狀的基礎(chǔ)上,通過(guò)采取隨機(jī)抽樣問(wèn)卷調(diào)查和農(nóng)戶(hù)隨機(jī)采訪(fǎng)的方法,對(duì)遼寧省13個(gè)市(除大連)農(nóng)戶(hù)農(nóng)業(yè)風(fēng)險(xiǎn)與防范情況進(jìn)行問(wèn)卷調(diào)查,旨在通過(guò)對(duì)發(fā)放收回的650份問(wèn)卷數(shù)據(jù)進(jìn)行分析整理,通過(guò)供需的角度查找出PL保險(xiǎn)公司農(nóng)業(yè)保險(xiǎn)中存在問(wèn)題以及農(nóng)業(yè)保險(xiǎn)發(fā)展的主要制約因素,提出了促進(jìn)PL保險(xiǎn)公司農(nóng)業(yè)保險(xiǎn)發(fā)展的對(duì)策建議,即進(jìn)一步清晰PL保險(xiǎn)公司農(nóng)業(yè)保險(xiǎn)發(fā)展目標(biāo)與模式,完善公司農(nóng)業(yè)保險(xiǎn)承保和理賠業(yè)務(wù)流程以及適合于該業(yè)務(wù)流程的組織機(jī)構(gòu)及資金保障,進(jìn)一步健全農(nóng)業(yè)保險(xiǎn)相關(guān)的法律法規(guī)和建立農(nóng)業(yè)巨災(zāi)損失基金和農(nóng)業(yè)保險(xiǎn)再保險(xiǎn)機(jī)制,從而對(duì)PL保險(xiǎn)公司農(nóng)業(yè)保險(xiǎn)健康快速發(fā)展具有重要的現(xiàn)實(shí)意義。
[Abstract]:Since the resumption of agricultural insurance in 1983, the PL insurance company has experienced four stages of resumption of trial operation, market operation, exploration, and rapid development, although it is exerting the basic and derivative functions of insurance and raising the level of insurance awareness among the whole people. Promoting the support of credit to agriculture and amplifying the investment effect of government financial funds play a certain role, but there are still some problems that can not be ignored, such as the lack of restraint mechanism of financial supporting funds, the low management level of underwriting institutions, and so on. Farmers' moral hazard and adverse choice are serious and lack of effective catastrophe risk dispersal mechanism. As a result, the current agricultural insurance development of PL insurance company and the development of rural economy do not meet the needs of farmers. The management mode of the company's policy agricultural insurance causes the phenomenon of "cold supply and demand", which leads to the "market failure" of agricultural insurance and its low efficiency. In view of the problems existing in the development of agricultural insurance of PL insurance company mentioned above, this paper bases on the basic theory of agricultural insurance, and draws lessons from the management mode and experience of agricultural insurance at home and abroad. On the basis of analyzing the development course and present situation of agricultural insurance of PL insurance company, this paper adopts the method of random sampling questionnaire survey and peasant household random interview. The agricultural risks and precautions of farmers in 13 cities (except Dalian) of Liaoning Province were investigated by questionnaires. The aim of this survey was to analyze and sort out 650 questionnaires that were issued and recovered. From the point of view of supply and demand, this paper finds out the problems existing in the agricultural insurance of PL insurance companies and the main restricting factors of the development of agricultural insurance, and puts forward some countermeasures and suggestions to promote the development of agricultural insurance in PL insurance companies. That is, to further clarify the development objectives and models of agricultural insurance of PL insurance companies, to improve the business processes of underwriting and settling claims of agricultural insurance of companies, as well as the organization and financial security suitable for this business process, Further perfecting the laws and regulations related to agricultural insurance and establishing agricultural catastrophe loss fund and agricultural insurance reinsurance mechanism have important practical significance for the healthy and rapid development of agricultural insurance of PL insurance company.
【學(xué)位授予單位】：東北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F842.66

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 毛文博;管星;;政策性農(nóng)業(yè)保險(xiǎn)試點(diǎn)中的主體定位探析[J];保險(xiǎn)研究;2008年08期

2 孫蓉,朱梁;世界各國(guó)農(nóng)業(yè)保險(xiǎn)發(fā)展模式的比較及啟示[J];財(cái)經(jīng)科學(xué);2004年05期

3 劉彥隨;甘紅;張富剛;;中國(guó)東北地區(qū)農(nóng)業(yè)水土資源匹配格局[J];地理學(xué)報(bào);2006年08期

4 樊治平,王建宇,陳媛;客戶(hù)關(guān)系管理(CRM)的評(píng)述與展望[J];系統(tǒng)工程;2002年06期

5 柏正杰;;《農(nóng)業(yè)保險(xiǎn)條例》與我國(guó)農(nóng)業(yè)保險(xiǎn)發(fā)展[J];西部法學(xué)評(píng)論;2012年04期

6 殷成國(guó);;《農(nóng)業(yè)保險(xiǎn)條例》出臺(tái)的機(jī)遇與挑戰(zhàn)[J];銀行家;2012年07期

7 王倩;;我國(guó)農(nóng)業(yè)保險(xiǎn)經(jīng)營(yíng)模式的探討——國(guó)內(nèi)外農(nóng)業(yè)保險(xiǎn)模式的經(jīng)驗(yàn)和借鑒[J];黑龍江金融;2011年02期

8 梁永明;劉風(fēng)芝;羅銘俊;黃曉璐;;中國(guó)農(nóng)業(yè)保險(xiǎn)現(xiàn)狀研究及發(fā)展對(duì)策[J];經(jīng)濟(jì)研究導(dǎo)刊;2012年03期

9 楊簫;劉輝;;政策性農(nóng)業(yè)保險(xiǎn)模式創(chuàng)新探討——以湖南省“常德模式”為例[J];經(jīng)濟(jì)研究導(dǎo)刊;2012年18期

10 庹國(guó)柱,李軍;我國(guó)農(nóng)業(yè)保險(xiǎn)試驗(yàn)的成就、矛盾及出路[J];金融研究;2003年09期

相關(guān)博士學(xué)位論文 前2條

1 康新;我國(guó)政策主導(dǎo)性農(nóng)業(yè)保險(xiǎn)經(jīng)營(yíng)模式研究[D];湖南農(nóng)業(yè)大學(xué);2010年

2 李海軍;我國(guó)政策性農(nóng)業(yè)保險(xiǎn)發(fā)展問(wèn)題研究[D];山東農(nóng)業(yè)大學(xué);2009年

，

本文編號(hào)：1654787