本文選題：農(nóng)戶需求 + 蘋(píng)果保險(xiǎn)��； 參考：《西北農(nóng)林科技大學(xué)》2013年碩士論文

【摘要】：陜西省是蘋(píng)果生產(chǎn)大省，近年來(lái)蘋(píng)果產(chǎn)業(yè)已經(jīng)成為陜西六大支柱產(chǎn)業(yè)之一，同時(shí)也是果區(qū)果農(nóng)主要的收入來(lái)源。但是由于全球氣候變化，災(zāi)害性天氣和其他風(fēng)險(xiǎn)不斷增多。蘋(píng)果保險(xiǎn)作為應(yīng)對(duì)蘋(píng)果生產(chǎn)中面臨的眾多自然災(zāi)害和其他風(fēng)險(xiǎn)的有效手段之一，其合理的體系有助于蘋(píng)果保險(xiǎn)更好地運(yùn)營(yíng)。農(nóng)戶作為蘋(píng)果保險(xiǎn)的參保人，，是該體系中的參與主體，農(nóng)戶的需求、農(nóng)戶的利益無(wú)疑對(duì)蘋(píng)果保險(xiǎn)體系的構(gòu)建、蘋(píng)果保險(xiǎn)的健康發(fā)展有著重大影響。因此，基于農(nóng)戶需求視角的陜西蘋(píng)果保險(xiǎn)體系構(gòu)建研究有著重要的現(xiàn)實(shí)意義。 論文基于對(duì)陜西省洛川縣194戶農(nóng)戶的調(diào)查資料，采用規(guī)范分析與實(shí)證分析相結(jié)合的方法，對(duì)影響其參與蘋(píng)果保險(xiǎn)的因素進(jìn)行了預(yù)測(cè)，并運(yùn)用logistic回歸分析模型進(jìn)行了分析，得出影響農(nóng)戶對(duì)蘋(píng)果保險(xiǎn)需求的具體因素。論文認(rèn)為，政府補(bǔ)貼力度、自然災(zāi)害影響程度、家庭年收入及保險(xiǎn)公司服務(wù)滿意度四個(gè)因素主要影響了農(nóng)戶對(duì)蘋(píng)果保險(xiǎn)的購(gòu)買需求。而后，論文闡述了國(guó)外典型的五個(gè)國(guó)家農(nóng)業(yè)保險(xiǎn)體系的經(jīng)驗(yàn)，總結(jié)出其運(yùn)行過(guò)程中充分考慮農(nóng)戶需求的措施、規(guī)定，得出對(duì)陜西省蘋(píng)果保險(xiǎn)體系構(gòu)建的啟示。最后，在實(shí)證分析和國(guó)外農(nóng)業(yè)保險(xiǎn)體系啟示的基礎(chǔ)上，從農(nóng)戶需求視角對(duì)陜西蘋(píng)果保險(xiǎn)體系進(jìn)行了構(gòu)建。 論文構(gòu)建的陜西省蘋(píng)果保險(xiǎn)體系是由五部分組成的有機(jī)整體，包括蘋(píng)果保險(xiǎn)體系運(yùn)行的外部環(huán)境、供給主體、服務(wù)對(duì)象、發(fā)展模式以及服務(wù)管理。體系構(gòu)建中提出的主要建議有：加強(qiáng)農(nóng)業(yè)保險(xiǎn)立法，盡快制定和頒布農(nóng)業(yè)保險(xiǎn)法；穩(wěn)定或提高政府對(duì)農(nóng)戶參保的保費(fèi)補(bǔ)貼；提高農(nóng)戶的收入水平，增強(qiáng)其投保能力；增加蘋(píng)果保險(xiǎn)供給主體的數(shù)量；根據(jù)不同地域農(nóng)戶對(duì)農(nóng)業(yè)保險(xiǎn)的不同需求，適當(dāng)調(diào)整條款并細(xì)化條款；改進(jìn)或增加服務(wù)對(duì)象的形式，以專業(yè)大戶、家庭農(nóng)場(chǎng)或者蘋(píng)果種植專業(yè)合作社為單位來(lái)進(jìn)行承保和服務(wù)；引入再保險(xiǎn)機(jī)制；提高保險(xiǎn)公司對(duì)農(nóng)戶的綜合服務(wù)水平，尤其是理賠金額和效率。
[Abstract]:Shaanxi Province is a big province of apple production. In recent years, apple industry has become one of the six pillar industries in Shaanxi Province, and it is also the main source of income for fruit farmers in fruit regions. But as a result of global climate change, catastrophic weather and other risks are increasing. Apple Insurance is one of the effective means to deal with many natural disasters and other risks in apple production, and its reasonable system can help Apple Insurance to operate better. As the insured person of apple insurance, peasant household is the main body in this system. The demand of farmers and the interests of farmers undoubtedly have a great influence on the construction of apple insurance system and the healthy development of apple insurance. Therefore, the research on the construction of Shaanxi apple insurance system based on farmers' demand is of great practical significance. Based on the investigation data of 194 peasant households in Luochuan County, Shaanxi Province, this paper forecasts the factors that affect the participation of the farmers in apple insurance by combining normative analysis with empirical analysis, and analyzes the factors by using logistic regression model. The specific factors that affect the farmers' demand for apple insurance are obtained. The paper holds that the government subsidy, the degree of natural disaster, the annual income of the family and the satisfaction degree of the insurance company mainly affect the farmers' demand for Apple insurance. Then, the paper expounds the experience of five countries' agricultural insurance system in foreign countries, summarizes the measures to fully consider the farmers' needs in the course of its operation, and provides the enlightenment to the construction of the apple insurance system in Shaanxi Province. Finally, based on the empirical analysis and the enlightenment of foreign agricultural insurance system, the author constructs the apple insurance system of Shaanxi province from the perspective of farmers' demand. The apple insurance system of Shaanxi Province is an organic whole composed of five parts, including the external environment, the main body of supply, the object of service, the mode of development and the service management. The main suggestions in the construction of the system are as follows: strengthening the agricultural insurance legislation, formulating and promulgating the agricultural insurance law as soon as possible; stabilizing or increasing the premium subsidy of the government to the farmers; improving the income level of the farmers and enhancing their ability to insure; Increase the number of apple insurance providers; adjust and refine the terms according to the different demand of farmers in different regions for agricultural insurance; improve or increase the form of service objects to professional large households, Family farms or specialized cooperatives for apple planting to provide insurance and services; to introduce reinsurance mechanisms; to improve the level of comprehensive insurance services to farmers, especially the amount and efficiency of claims.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.66

【參考文獻(xiàn)】

相關(guān)期刊論文 前3條

1 李文航;付瑤;;構(gòu)建中國(guó)政策性農(nóng)業(yè)保險(xiǎn)體系的探索[J];理論界;2007年01期

2 胡中應(yīng);;安徽省農(nóng)業(yè)保險(xiǎn)發(fā)展的制約因素及對(duì)策研究[J];特區(qū)經(jīng)濟(jì);2006年11期

3 郭左踐;;中國(guó)農(nóng)業(yè)保險(xiǎn)發(fā)展面臨的問(wèn)題及政策建議[J];中國(guó)金融;2006年11期

本文編號(hào)：1779794