本文選題：農(nóng)業(yè)風(fēng)險(xiǎn) + 政策性農(nóng)業(yè)保險(xiǎn)　； 參考：《中南林業(yè)科技大學(xué)》2013年碩士論文

【摘要】：隨著自然災(zāi)害和市場(chǎng)風(fēng)險(xiǎn)的增加,農(nóng)業(yè)保險(xiǎn)發(fā)展滯后越來越成為我國農(nóng)村經(jīng)濟(jì)發(fā)展和新農(nóng)村建設(shè)的制約因素。在經(jīng)歷了商業(yè)性農(nóng)業(yè)保險(xiǎn)的經(jīng)營(yíng)失敗和借鑒國外成功經(jīng)驗(yàn)的基礎(chǔ)上,當(dāng)前在全國范圍內(nèi)推行的政策性農(nóng)業(yè)保險(xiǎn)試點(diǎn)工作推動(dòng)了農(nóng)業(yè)保險(xiǎn)的較快發(fā)展。但是,河南省政策性農(nóng)業(yè)保險(xiǎn)工作起步較晚,在發(fā)展過程中還存在一系列問題。本文在陳述河南省政策性農(nóng)業(yè)保險(xiǎn)現(xiàn)狀的基礎(chǔ)上,全面分析了其存在的問題,并在借鑒國外成功經(jīng)驗(yàn)的基礎(chǔ)上提出了具體的對(duì)策建議。 全文分為六個(gè)部分。第一部分對(duì)河南省政策性農(nóng)業(yè)保險(xiǎn)這一問題的研究背景和意義進(jìn)行闡述,對(duì)國內(nèi)外政策性農(nóng)業(yè)保險(xiǎn)相關(guān)經(jīng)驗(yàn)進(jìn)行比較研究,得出國內(nèi)外對(duì)政策性農(nóng)業(yè)保險(xiǎn)的建議,綜合運(yùn)用資料查閱法、數(shù)據(jù)對(duì)比法、實(shí)例舉證法、分析對(duì)比法等方法進(jìn)一步深入研究。 第二部分在比較了農(nóng)業(yè)風(fēng)險(xiǎn)管理的不同方法后,嘗試對(duì)農(nóng)業(yè)保險(xiǎn)和政策性農(nóng)業(yè)保險(xiǎn)的內(nèi)涵進(jìn)行了界定,并重點(diǎn)分析了開展農(nóng)業(yè)保險(xiǎn)的必要性。 第三部分對(duì)目前河南省政策性農(nóng)業(yè)保險(xiǎn)的發(fā)展現(xiàn)狀進(jìn)行調(diào)查,分析農(nóng)業(yè)保險(xiǎn)當(dāng)前政策和經(jīng)營(yíng)情況。重點(diǎn)剖析了政策性農(nóng)業(yè)保險(xiǎn)的財(cái)政補(bǔ)貼范圍和比例、保費(fèi)收入與賠款情況,并以信陽市種植業(yè)保險(xiǎn)和養(yǎng)殖業(yè)保險(xiǎn)為例進(jìn)一步剖析了河南省政策性農(nóng)業(yè)保險(xiǎn)的發(fā)展現(xiàn)狀。 第四部分通過實(shí)地考察全面分析了農(nóng)業(yè)保險(xiǎn)開展過程中存在的問題,主要從供給、需求和政策法律三方面考察,供給方面主要包括承保主體單一、機(jī)構(gòu)網(wǎng)絡(luò)不健全和查勘理賠技術(shù)不強(qiáng)等問題；需求方面主要是逆選擇和道德風(fēng)險(xiǎn)問題；政策法律方面主要包括政策支持不足和法規(guī)建設(shè)滯后問題。在此基礎(chǔ)上,進(jìn)一步剖析了這些問題的深層次原因。 第五部分通過比較分析世界各國農(nóng)業(yè)保險(xiǎn)經(jīng)營(yíng)模式,得出其共有的政策性特征是我國農(nóng)業(yè)保險(xiǎn)經(jīng)營(yíng)可借鑒的經(jīng)驗(yàn)。在國內(nèi)目前經(jīng)營(yíng)模式的基礎(chǔ)上,我國可借鑒的國外成功經(jīng)驗(yàn)有保險(xiǎn)法規(guī)建設(shè)、政策性的經(jīng)營(yíng)模式選擇、發(fā)展多元化的組織形式和建立財(cái)政支持的巨災(zāi)風(fēng)險(xiǎn)分散機(jī)制等。 第六部分針對(duì)存在的問題,在借鑒國外經(jīng)驗(yàn)的基礎(chǔ)上,從保險(xiǎn)供給主體和政策方面提出了具體的對(duì)策建議。從而創(chuàng)新農(nóng)業(yè)風(fēng)險(xiǎn)管理與保險(xiǎn)技術(shù)、強(qiáng)化三農(nóng)保險(xiǎn)基層服務(wù)體系建設(shè)、加強(qiáng)內(nèi)部管理、加大政策支持力度以建立可持續(xù)、多渠道的政策支持體系,多角度地完善政策性農(nóng)業(yè)保險(xiǎn)制度。
[Abstract]:With the increase of natural disasters and market risks, the lag in the development of agricultural insurance has become more and more restrictive factors for the development of rural economy and the construction of new countryside. On the basis of the failure of commercial agricultural insurance and the successful experience of foreign countries, the pilot project of policy-oriented agricultural insurance in China has promoted the rapid development of agricultural insurance. However, the policy-oriented agricultural insurance in Henan Province started late, and there are still a series of problems in the process of development. On the basis of stating the present situation of policy agricultural insurance in Henan province, this paper analyzes the existing problems in an all-round way, and puts forward concrete countermeasures and suggestions on the basis of drawing lessons from the successful experience of foreign countries. The full text is divided into six parts. The first part expounds the research background and significance of the policy agricultural insurance in Henan Province, compares the relevant experiences of the policy agricultural insurance at home and abroad, and draws the suggestions of the policy agricultural insurance at home and abroad. Comprehensive use of data retrieval method, data comparison method, example method, analysis and contrast method and other methods further in-depth research. After comparing the different methods of agricultural risk management, the second part tries to define the connotation of agricultural insurance and policy-oriented agricultural insurance, and analyzes the necessity of agricultural insurance. The third part investigates the current situation of policy agricultural insurance in Henan Province, and analyzes the current policy and management of agricultural insurance. In this paper, the scope and proportion of financial subsidy, premium income and indemnity of policy-oriented agricultural insurance are analyzed, and the development status of policy-oriented agricultural insurance in Henan Province is further analyzed with the examples of crop insurance and aquaculture insurance in Xinyang city. The fourth part comprehensively analyzes the problems existing in the agricultural insurance development process through the field investigation, mainly from the supply, the demand and the policy law three aspect inspection, the supply aspect mainly includes the underwriting main body single, The problems such as imperfect organization network and weak technology of investigation and compensation; demand-side are mainly adverse selection and moral hazard; Policy and law mainly include insufficient policy support and lagging behind in the construction of laws and regulations. On this basis, this paper further analyzes the deep causes of these problems. In the fifth part, through the comparative analysis of agricultural insurance management models in the world, it is concluded that the common policy characteristics of agricultural insurance management in China can be used for reference. On the basis of the current domestic business model, the successful experiences of foreign countries can be used for reference, such as the construction of insurance laws and regulations, the choice of policy management mode, the development of diversified organizational forms and the establishment of financial support for the risk dispersion mechanism of catastrophe, and so on. The sixth part aims at the existing problems, on the basis of drawing lessons from the foreign experience, puts forward the concrete countermeasure suggestion from the insurance supply main body and the policy aspect. In order to innovate the agricultural risk management and insurance technology, strengthen the construction of the basic service system of agriculture, rural areas and farmers insurance, strengthen the internal management, increase policy support to establish a sustainable, multi-channel policy support system, Improve the policy agricultural insurance system from many angles.
【學(xué)位授予單位】：中南林業(yè)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

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