本文選題：江西省 + 農(nóng)業(yè)保險��； 參考：《江西財經(jīng)大學(xué)》2017年碩士論文

【摘要】：江西是一個農(nóng)業(yè)大省,具有農(nóng)村人口占比高、農(nóng)副產(chǎn)品產(chǎn)值高、農(nóng)產(chǎn)品品種多樣等特點。同時,江西省又是全國范圍內(nèi)受自然災(zāi)害影響較為嚴重的省份之一。自然災(zāi)害的種類繁多且后續(xù)影響大,帶來的衍生災(zāi)害嚴重制約了江西省的農(nóng)業(yè)發(fā)展,進而導(dǎo)致經(jīng)濟發(fā)展緩慢。因此,農(nóng)業(yè)保險所具有的穩(wěn)定農(nóng)民生產(chǎn)、促進農(nóng)民增產(chǎn)增收、推動新型城鎮(zhèn)化進程和農(nóng)業(yè)現(xiàn)代化建設(shè)等作用對于江西省的農(nóng)業(yè)發(fā)展顯得格外重要。“十二五”期間,江西省的農(nóng)業(yè)保險實現(xiàn)跨越式發(fā)展,開辦險種增加到15個,累計為參保農(nóng)戶提供風(fēng)險保障3443.9億元,累計賠款達17.82億元。但與江西省政府對于農(nóng)業(yè)保險的財政補貼以及最初的預(yù)期設(shè)想相比,農(nóng)業(yè)保險的開展現(xiàn)狀未達到政府要求�；诖�,筆者對于江西省農(nóng)業(yè)保險的發(fā)展情況進行調(diào)研。通過此次調(diào)研了解江西省農(nóng)業(yè)保險目前開展的現(xiàn)狀以及實際中存在的種種問題,同時對此進行深入分析,并據(jù)此提出一些實用性強、符合江西省省情的農(nóng)業(yè)保險發(fā)展建議及措施。本調(diào)研報告共分成四個部分。首先,本調(diào)研報告主要介紹了江西省農(nóng)業(yè)的基本情況,包括農(nóng)業(yè)生產(chǎn)現(xiàn)狀和農(nóng)業(yè)災(zāi)害情況兩個方面,并以此為后續(xù)分析作鋪墊。其次,本調(diào)研報告先對江西省農(nóng)業(yè)保險目前開展的現(xiàn)狀進行簡要描述,再對實際過程中遇到的種種問題進行深入研究分析。這些問題既有市場集中度高,也有農(nóng)民投保不積極、政策扶持力度不夠,此外保單賠付率居高不下等問題亦同時存在。再則,本調(diào)研報告從江西省省情出發(fā),結(jié)合美國、日本、印度以及國內(nèi)幾個代表性地區(qū)的農(nóng)業(yè)保險發(fā)展情況,歸納出美、日、印以及代表性地區(qū)農(nóng)業(yè)保險發(fā)展的成功經(jīng)驗。最后,本調(diào)研報告基于上述存在的問題提出了對策建議以及具體實施措施。具體對策包括:盡快制定與《農(nóng)業(yè)保險條例》相配套的實施細則;合理化財政補貼,建立巨災(zāi)風(fēng)險基金;加快推進農(nóng)村土地流轉(zhuǎn),發(fā)展規(guī)模經(jīng)營;從監(jiān)管機構(gòu)、經(jīng)營機構(gòu)、服務(wù)機構(gòu)三個層次搭建適合江西省的農(nóng)業(yè)保險組織經(jīng)營框架;加強宣傳以提高農(nóng)民參保意識;吸引與鼓勵高素質(zhì)人才進入農(nóng)業(yè)保險領(lǐng)域;最后,組建屬于江西省自己的專業(yè)農(nóng)業(yè)保險公司,促進市場的競爭。目前,江西省正處在由“大”轉(zhuǎn)“強”的階段,即由傳統(tǒng)農(nóng)業(yè)大省向現(xiàn)代農(nóng)業(yè)強省轉(zhuǎn)變。作為農(nóng)業(yè)發(fā)展中最容易被忽略但卻最重要的一環(huán),農(nóng)業(yè)保險應(yīng)當盡快跟上江西省農(nóng)業(yè)發(fā)展的速度,充分發(fā)揮分散和轉(zhuǎn)移農(nóng)業(yè)風(fēng)險、增加農(nóng)民收入、促進農(nóng)業(yè)繁榮的作用。
[Abstract]:Jiangxi is a big agricultural province with the characteristics of high proportion of rural population, high output value of agricultural and sideline products and variety of agricultural products. At the same time, Jiangxi Province is also one of the provinces affected by natural disasters. There are many kinds of natural disasters and the subsequent influence is great. The derivative disasters seriously restrict the development of agriculture in Jiangxi Province and lead to the slow development of economy. Therefore, the role of agricultural insurance in stabilizing farmers' production, increasing farmers' production and income, promoting the process of new urbanization and agricultural modernization is particularly important for the development of agriculture in Jiangxi Province. During the 12th Five-Year Plan period, the agricultural insurance in Jiangxi Province developed by leaps and bounds, and the number of insurance types was increased to 15, providing 344.39 billion yuan of risk protection for participating farmers and 1.782 billion yuan of accumulated indemnity. However, compared with the financial subsidy of Jiangxi provincial government for agricultural insurance and the initial expectation, the present situation of agricultural insurance does not meet the requirements of the government. Based on this, the author investigated the development of agricultural insurance in Jiangxi Province. Through this investigation, we understand the current situation of agricultural insurance in Jiangxi Province and the existing problems in practice, at the same time, we make a deep analysis of this situation, and put forward some practicability based on it. Suggestions and measures for the development of agricultural insurance in line with the situation of Jiangxi Province. This research report is divided into four parts. Firstly, this research report mainly introduces the basic situation of agriculture in Jiangxi Province, including the current situation of agricultural production and the situation of agricultural disasters, and makes a foundation for the subsequent analysis. Secondly, this research report briefly describes the current situation of agricultural insurance in Jiangxi Province, and then deeply studies and analyzes the problems encountered in the actual process. These problems not only have high market concentration, but also have some problems, such as farmers are not active in insurance, the policy support is not enough, and the rate of payment of insurance policies is still high. Furthermore, this research report is based on the situation of Jiangxi Province, combined with the development of agricultural insurance in the United States, Japan, India and several representative regions in China, and concludes the successful experiences of the development of agricultural insurance in the United States, Japan, India and representative areas. Finally, based on the above-mentioned problems, the paper puts forward the countermeasures and implementation measures. The specific countermeasures include: formulating as soon as possible the detailed rules for the implementation of the Agricultural Insurance regulations; rationalizing financial subsidies and establishing catastrophe risk funds; speeding up the circulation of rural land and developing large-scale operations; Three levels of service organizations set up a suitable management framework of agricultural insurance organizations in Jiangxi Province; strengthen publicity to enhance farmers' awareness of participating in insurance; attract and encourage high-quality personnel to enter the field of agricultural insurance; finally, Set up the specialized agricultural insurance company that belongs to Jiangxi Province, promote the competition of the market. At present, Jiangxi Province is in the transition from "big" to "strong", that is, from traditional agricultural province to modern agricultural strong province. As the most neglected but most important link in agricultural development, agricultural insurance should keep up with the speed of agricultural development in Jiangxi Province as soon as possible, give full play to the role of dispersing and transferring agricultural risks, increasing farmers' income and promoting agricultural prosperity.
【學(xué)位授予單位】：江西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F842.66

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