發(fā)布時(shí)間：2018-05-06 13:51

  本文選題：農(nóng)業(yè)保險(xiǎn) + 準(zhǔn)公共產(chǎn)品�。� 參考：《安徽農(nóng)業(yè)大學(xué)》2015年碩士論文

【摘要】：我國(guó)是一個(gè)農(nóng)業(yè)大國(guó),據(jù)統(tǒng)計(jì),2014年末農(nóng)村常住人口6.19億人,土地種植總面積1.217億公頃,農(nóng)業(yè)是國(guó)民經(jīng)濟(jì)的基礎(chǔ)。然而我國(guó)自然災(zāi)害的發(fā)生頻率高,弱勢(shì)的農(nóng)戶(hù)應(yīng)對(duì)嚴(yán)重的自然災(zāi)的能力十分有限,自然災(zāi)害給農(nóng)業(yè)生產(chǎn)經(jīng)營(yíng)者造成了嚴(yán)重的經(jīng)濟(jì)損失。面對(duì)自然災(zāi)害造成的巨大損失,僅靠財(cái)政救助、社會(huì)捐贈(zèng),并不能有效地補(bǔ)償巨災(zāi)損失,只有通過(guò)農(nóng)業(yè)保險(xiǎn)這一手段,才能層層分散巨災(zāi)風(fēng)險(xiǎn)損失。但是由于農(nóng)戶(hù)的收入水平較低,并且保險(xiǎn)公司在經(jīng)營(yíng)農(nóng)業(yè)保險(xiǎn)業(yè)務(wù)時(shí)往往伴隨著高賠付、高風(fēng)險(xiǎn),使得保險(xiǎn)公司容易出現(xiàn)虧損情況,從而導(dǎo)致我國(guó)農(nóng)業(yè)保險(xiǎn)的市場(chǎng)規(guī)模持續(xù)減小。本文對(duì)農(nóng)業(yè)保險(xiǎn)的經(jīng)濟(jì)學(xué)屬性進(jìn)行了分析,并與我國(guó)農(nóng)業(yè)保險(xiǎn)的發(fā)展現(xiàn)狀相結(jié)合,明確了目前階段我國(guó)發(fā)展政策性農(nóng)業(yè)保險(xiǎn)的迫切性和必要性。同時(shí),以安徽省政策性農(nóng)業(yè)保險(xiǎn)的發(fā)展為例,介紹了安徽省政策性農(nóng)業(yè)保險(xiǎn)的發(fā)展現(xiàn)狀和存在的問(wèn)題,從農(nóng)戶(hù)層面對(duì)影響政策性農(nóng)業(yè)保險(xiǎn)有效需求的影響因素進(jìn)行了分析,并對(duì)安徽省政策性農(nóng)業(yè)保險(xiǎn)的實(shí)施工作提出了政策建議。政策性農(nóng)業(yè)保險(xiǎn)可以讓農(nóng)戶(hù)有效的規(guī)避農(nóng)業(yè)災(zāi)害損失,并且在很多國(guó)家都得到了大力支持和發(fā)展,是維護(hù)農(nóng)業(yè)穩(wěn)定生產(chǎn),保護(hù)農(nóng)業(yè)生產(chǎn)者利益的“綠箱政策”,農(nóng)業(yè)保險(xiǎn)對(duì)于推進(jìn)我國(guó)農(nóng)業(yè)現(xiàn)代化發(fā)展、提升農(nóng)業(yè)產(chǎn)業(yè)競(jìng)爭(zhēng)力都具有十分重大的意義。全文共分為如下五個(gè)部分：第一部分介紹了農(nóng)業(yè)保險(xiǎn)的概念,進(jìn)而給出了政策性農(nóng)業(yè)保險(xiǎn)的概念,重點(diǎn)分析了政策性農(nóng)業(yè)保險(xiǎn)的實(shí)質(zhì)和重要作用,并結(jié)合我國(guó)農(nóng)業(yè)生產(chǎn)和農(nóng)業(yè)保險(xiǎn)的實(shí)際發(fā)展情況得出國(guó)家必須實(shí)行政策性農(nóng)業(yè)保險(xiǎn)的結(jié)論。第二部分從經(jīng)濟(jì)學(xué)角度對(duì)農(nóng)業(yè)保險(xiǎn)進(jìn)行了分析,指出了農(nóng)業(yè)保險(xiǎn)的準(zhǔn)公共產(chǎn)品屬性,其“生產(chǎn)”和“消費(fèi)”的正外部性導(dǎo)致農(nóng)業(yè)保險(xiǎn)的供給和需求不足,從而進(jìn)一步表明我國(guó)施行政策性農(nóng)業(yè)保險(xiǎn)的必要性。通過(guò)對(duì)政策性農(nóng)業(yè)保險(xiǎn)的供求均衡進(jìn)行分析,得出其能夠有效的解決農(nóng)業(yè)保險(xiǎn)的供需不足問(wèn)題,并分析了政策性農(nóng)業(yè)保險(xiǎn)供求均衡的情況,為我國(guó)實(shí)施政策性農(nóng)業(yè)保險(xiǎn)提供理論基礎(chǔ)。第三部分對(duì)安徽省政策性農(nóng)業(yè)保險(xiǎn)的發(fā)展現(xiàn)狀和存在的問(wèn)題進(jìn)行了分析,指出農(nóng)業(yè)經(jīng)濟(jì)在安徽省國(guó)民經(jīng)濟(jì)中的重要地位,從而突出了發(fā)展政策性農(nóng)業(yè)保險(xiǎn)的重要性。然后從安徽省農(nóng)業(yè)保險(xiǎn)的發(fā)展歷程出發(fā),分析了政策性農(nóng)業(yè)保險(xiǎn)的發(fā)展現(xiàn)狀。最后,指出了目前我省政策性農(nóng)業(yè)保險(xiǎn)存在的一些問(wèn)題。第四部分從安徽省種糧農(nóng)戶(hù)層面對(duì)政策性農(nóng)業(yè)保險(xiǎn)有效需求的影響因素問(wèn)題進(jìn)行了實(shí)證分析,給出了影響農(nóng)戶(hù)購(gòu)買(mǎi)農(nóng)業(yè)保險(xiǎn)的主要因素,從這些因素出發(fā)提出了幾點(diǎn)建議,為更好的實(shí)施政策性農(nóng)業(yè)保險(xiǎn)、提高補(bǔ)貼資金的使用效率指明方向。第五部分政策建議。
[Abstract]:China is a large agricultural country with a permanent population of 619 million people and a total land area of 121.7 million hectares at the end of 2014 according to statistics. Agriculture is the foundation of the national economy. However, the frequency of natural disasters in China is high, and the ability of vulnerable farmers to cope with severe natural disasters is very limited. The natural disasters have caused serious economic losses to agricultural producers and operators. In the face of the huge losses caused by natural disasters, only financial assistance, social donations, can not effectively compensate for catastrophe losses, only through the means of agricultural insurance, we can spread the risk of catastrophe losses layer by layer. However, because of the low income level of farmers and the fact that insurance companies are often accompanied by high compensation payments and high risks when they are engaged in agricultural insurance business, insurance companies are prone to suffer losses. As a result, the market size of China's agricultural insurance continues to decrease. This paper analyzes the economic attributes of agricultural insurance, and combines with the development of agricultural insurance in China, and clarifies the urgency and necessity of developing policy-oriented agricultural insurance in China at the present stage. At the same time, taking the development of policy agricultural insurance in Anhui Province as an example, this paper introduces the present situation and existing problems of policy agricultural insurance in Anhui Province, and analyzes the factors affecting the effective demand of policy agricultural insurance from the level of farmers. And puts forward the policy suggestion to the Anhui Province policy agriculture insurance implementation work. Policy agricultural insurance can make farmers avoid the losses of agricultural disasters effectively, and has been strongly supported and developed in many countries. It is a "green box policy" to maintain the stable production of agriculture and protect the interests of agricultural producers. Agricultural insurance is of great significance to promote the development of agricultural modernization and enhance the competitiveness of agricultural industry. The paper is divided into five parts as follows: the first part introduces the concept of agricultural insurance, and then gives the concept of policy-oriented agricultural insurance, focusing on the analysis of the essence and important role of policy-based agricultural insurance. Combined with the actual development of agricultural production and agricultural insurance in China, the conclusion that the country must implement policy-oriented agricultural insurance is concluded. The second part analyzes agricultural insurance from the angle of economics, and points out the quasi-public product attribute of agricultural insurance. The positive externality of "production" and "consumption" leads to the shortage of supply and demand of agricultural insurance. This further indicates the necessity of policy-oriented agricultural insurance in our country. By analyzing the equilibrium of supply and demand of policy-oriented agricultural insurance, it is concluded that it can effectively solve the problem of insufficient supply and demand of agricultural insurance, and the equilibrium of supply and demand of policy-oriented agricultural insurance is analyzed. To provide the theoretical basis for the implementation of policy-oriented agricultural insurance in China. The third part analyzes the current situation and existing problems of policy agricultural insurance in Anhui Province, and points out the important position of agricultural economy in the national economy of Anhui Province, thus highlighting the importance of developing policy-oriented agricultural insurance. Then from the development process of agricultural insurance in Anhui Province, the development status of policy agricultural insurance is analyzed. Finally, the paper points out some problems existing in policy-oriented agricultural insurance in our province. The fourth part has carried on the empirical analysis to the policy agriculture insurance effective demand influence factor question from the grain farmer level in Anhui Province, has given the main factor which affects the farmer to purchase the agriculture insurance, has put forward several suggestions from these factors. For better implementation of policy-based agricultural insurance, improve the efficiency of the use of subsidy funds pointed out the direction. Part V: policy recommendations.
【學(xué)位授予單位】：安徽農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F842.66

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