貴州省農(nóng)業(yè)保險發(fā)展的困境及支持政策研究
發(fā)布時間：2018-07-14 12:43
【摘要】：在中國，三農(nóng)問題不僅僅是一個重大的政治問題，而且是關(guān)系到我國建設(shè)社會主義新農(nóng)村、建設(shè)社會主義小康社會、構(gòu)建社會主義和諧社會的社會問題和經(jīng)濟問題。農(nóng)業(yè)保險作為保護(hù)農(nóng)民減輕自然災(zāi)害損失的保護(hù)傘，同時又作為適應(yīng)世貿(mào)組織規(guī)則的綠箱政策，，是建設(shè)中國特色社會主義保障體系的重要組成部分，農(nóng)業(yè)保險可以使農(nóng)業(yè)生產(chǎn)經(jīng)營者得到更好的保護(hù)，從而促進(jìn)農(nóng)村經(jīng)濟的健康發(fā)展。正因如此，世界上已有100多個國家，通過政府支持，積極實施農(nóng)業(yè)保險，形成了與各國國情相適應(yīng)的政策性農(nóng)業(yè)保險發(fā)展模式。貴州是典型的喀斯特高原地貌，氣候條件復(fù)雜，自然災(zāi)害頻繁，災(zāi)后農(nóng)業(yè)損失嚴(yán)重，農(nóng)業(yè)保險作為符合WTO綠箱農(nóng)業(yè)支持政策允許的一種支持手段，越來越受到國家和學(xué)術(shù)界的重視，其對農(nóng)業(yè)的保障作用越來越明顯。 2007年，中央財政首次在貴州啟動政策性農(nóng)業(yè)保險，中國人民財產(chǎn)保險股份有限公司貴州分公司作為唯一承保機構(gòu)，在全省范圍內(nèi)積極開展能繁母豬保險工作，承包能繁母豬152.3萬頭，實現(xiàn)保費收入6916萬元，這也使得在2008年初的雪凝中有母豬死亡的投保農(nóng)戶有保無患。在隨后的幾年中，貴州省農(nóng)業(yè)保險得到了一定程度的發(fā)展，但是由于許多原因，其發(fā)展依然困難重重。本課題首先從分析貴州省農(nóng)業(yè)保險發(fā)展的必要性入手，回顧了建國以來貴州省農(nóng)業(yè)保險曲折的發(fā)展歷程，認(rèn)為農(nóng)業(yè)保險在貴州省農(nóng)業(yè)與農(nóng)村經(jīng)濟發(fā)展過程中的作用是無可替代的，并且經(jīng)過幾年的試點，貴州省農(nóng)業(yè)保險正面臨著良好的發(fā)展機遇。隨后在相關(guān)理論的指導(dǎo)下，分別從農(nóng)民、保險公司及政府三個不同利益主體的視角來分析當(dāng)今貴州省農(nóng)業(yè)保險發(fā)展面臨的需求困境、供給困境和支持困境。并從三個不同利益主體的行為來探尋相應(yīng)的原因，尤其是針對農(nóng)民農(nóng)業(yè)保險有效需求不足的困境，通過實地的調(diào)研取證，運用Logistic分析法建立回歸模型，對影響農(nóng)民需求行為進(jìn)而導(dǎo)致農(nóng)民農(nóng)業(yè)保險有效需求不足的主要原因進(jìn)行了深入的分析，得出結(jié)論：是否知道國家有補貼、遭受災(zāi)害的次數(shù)、主要從事的農(nóng)業(yè)生產(chǎn)活動和農(nóng)業(yè)保險對生產(chǎn)生活的重要性4個指標(biāo)是左右農(nóng)戶農(nóng)業(yè)保險需求決策的決定性因素；對農(nóng)業(yè)保險的了解程度這個指標(biāo)則對農(nóng)業(yè)保險的需求有一定的影響。在此基礎(chǔ)上，本課題對影響貴州省農(nóng)業(yè)保險發(fā)展的因素通過建立科布道格拉斯生產(chǎn)函數(shù)模型進(jìn)行定量評價，找出了農(nóng)業(yè)保險賠付率、自然災(zāi)害成災(zāi)率、農(nóng)業(yè)增加值、政府農(nóng)林水利支出和政府補貼幾個對貴州省農(nóng)業(yè)保險起顯著影響作用的指標(biāo)。最后結(jié)合貴州省的實際情況，對適合貴州省情的農(nóng)業(yè)保險模式進(jìn)行了構(gòu)想，并對貴州農(nóng)業(yè)保險的持續(xù)穩(wěn)定發(fā)展提出相應(yīng)的政策建議，認(rèn)為對于農(nóng)民要想方設(shè)法提高農(nóng)民收入并培養(yǎng)他們的保險意識，對于保險公司要進(jìn)一步提高服務(wù)能力并促進(jìn)農(nóng)業(yè)保險產(chǎn)品的多樣性，對于政府要明確自身的責(zé)任、優(yōu)化農(nóng)村投入并構(gòu)建完善的大災(zāi)風(fēng)險轉(zhuǎn)移制度，除此之外還要大力培養(yǎng)農(nóng)業(yè)保險人才和推動農(nóng)業(yè)保險的法律實踐，促進(jìn)貴州省農(nóng)業(yè)保險的健康發(fā)展和農(nóng)村經(jīng)濟的可持續(xù)發(fā)展。
[Abstract]:In China, the problem of agriculture and rural areas is not only a major political problem, but also the social and economic problems of building a new socialist countryside, building a well-off society and building a harmonious socialist society. The green box policy of the rules of trade organization is an important part of the construction of a socialist guarantee system with Chinese characteristics. Agricultural insurance can make the agricultural production operators better protected and thus promote the healthy development of the rural economy. For this reason, there are more than 100 countries in the world to actively implement agricultural insurance through the support of the government. The development mode of policy agricultural insurance, which is adapted to the national conditions of various countries. Guizhou is a typical Karst plateau topography, the climate is complex, the natural disasters are frequent, the agricultural losses are serious after the disaster. Agricultural insurance, as a supporting means conforming to the WTO green box agricultural support policy, has been paid more and more attention by the national and academic circles. The role of security is becoming more and more obvious.
In 2007, the central government started the policy based agricultural insurance in Guizhou for the first time. As the only underwriting institution, the Peoples Insurance Company of China Guizhou branch was actively carrying out the sow insurance work in the whole province. It contracted 1 million 523 thousand sows to achieve a premium of 69 million 160 thousand yuan, which also made the snow coagulation in early 2008. In the following years, the development of agricultural insurance in Guizhou province has been developed to a certain extent in the following years, but for many reasons, its development is still difficult. First of all, this subject starts with the analysis of the necessity of the development of agricultural insurance in Guizhou Province, and reviews the tortuous development calendar of agricultural insurance in Guizhou province since the founding of the people's Republic. According to Cheng, the role of agricultural insurance in the development of agriculture and rural economy in Guizhou province is irreplaceable, and after several years of pilot, the agricultural insurance in Guizhou is facing good opportunities for development. Under the guidance of relevant theories, it is analyzed from the perspectives of farmers, insurance companies and the three different interests of the government respectively. The demand predicament, supply dilemma and support predicament in the development of agricultural insurance in Guizhou province are found, and the corresponding reasons are explored from the behavior of three different stakeholders, especially in the plight of insufficient effective demand for farmers' agricultural insurance. Through field investigation and investigation, the Logistic analysis method is used to establish a regression model, which will affect farmers' demand. In order to further cause the shortage of farmers' agricultural insurance, the main reasons are analyzed. The conclusion is as follows: whether the state has subsidies, the number of disasters, the main agricultural production activities and the importance of agricultural insurance to production and life 4 indicators are the decisive factors of the agricultural insurance demand decision of the left and right farmers. The degree of understanding of agricultural insurance has a certain influence on the demand of agricultural insurance. On this basis, the thesis makes a quantitative evaluation on the factors affecting the development of agricultural insurance in Guizhou province through the establishment of the Douglas production function model, and finds out the rate of compensation for agricultural insurance, the rate of natural disasters and the increase of agricultural value, The government agriculture, forestry, water and water expenditure and government subsidies have a significant impact on the agricultural insurance in Guizhou province. Finally, combining the actual situation in Guizhou Province, this paper conceived the agricultural insurance model suitable for Guizhou Province, and put forward the corresponding policy suggestions on the sustainable and stable development of the agricultural insurance in Guizhou, and thought that the farmers should think about the establishment of the agricultural insurance in Guizhou. In order to improve the farmers' income and cultivate their insurance awareness, for the insurance companies to further improve their service ability and promote the diversity of the agricultural insurance products, it is necessary for the government to make clear the responsibility of the government, to optimize the rural investment and to build a perfect disaster risk transfer system. In addition, it is necessary to cultivate the agricultural insurance talents and promote the agriculture. The legal practice of industrial insurance promotes the healthy development of agricultural insurance in Guizhou and the sustainable development of rural economy.
【學(xué)位授予單位】：貴州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.66
本文編號：2121682
[Abstract]:In China, the problem of agriculture and rural areas is not only a major political problem, but also the social and economic problems of building a new socialist countryside, building a well-off society and building a harmonious socialist society. The green box policy of the rules of trade organization is an important part of the construction of a socialist guarantee system with Chinese characteristics. Agricultural insurance can make the agricultural production operators better protected and thus promote the healthy development of the rural economy. For this reason, there are more than 100 countries in the world to actively implement agricultural insurance through the support of the government. The development mode of policy agricultural insurance, which is adapted to the national conditions of various countries. Guizhou is a typical Karst plateau topography, the climate is complex, the natural disasters are frequent, the agricultural losses are serious after the disaster. Agricultural insurance, as a supporting means conforming to the WTO green box agricultural support policy, has been paid more and more attention by the national and academic circles. The role of security is becoming more and more obvious.
In 2007, the central government started the policy based agricultural insurance in Guizhou for the first time. As the only underwriting institution, the Peoples Insurance Company of China Guizhou branch was actively carrying out the sow insurance work in the whole province. It contracted 1 million 523 thousand sows to achieve a premium of 69 million 160 thousand yuan, which also made the snow coagulation in early 2008. In the following years, the development of agricultural insurance in Guizhou province has been developed to a certain extent in the following years, but for many reasons, its development is still difficult. First of all, this subject starts with the analysis of the necessity of the development of agricultural insurance in Guizhou Province, and reviews the tortuous development calendar of agricultural insurance in Guizhou province since the founding of the people's Republic. According to Cheng, the role of agricultural insurance in the development of agriculture and rural economy in Guizhou province is irreplaceable, and after several years of pilot, the agricultural insurance in Guizhou is facing good opportunities for development. Under the guidance of relevant theories, it is analyzed from the perspectives of farmers, insurance companies and the three different interests of the government respectively. The demand predicament, supply dilemma and support predicament in the development of agricultural insurance in Guizhou province are found, and the corresponding reasons are explored from the behavior of three different stakeholders, especially in the plight of insufficient effective demand for farmers' agricultural insurance. Through field investigation and investigation, the Logistic analysis method is used to establish a regression model, which will affect farmers' demand. In order to further cause the shortage of farmers' agricultural insurance, the main reasons are analyzed. The conclusion is as follows: whether the state has subsidies, the number of disasters, the main agricultural production activities and the importance of agricultural insurance to production and life 4 indicators are the decisive factors of the agricultural insurance demand decision of the left and right farmers. The degree of understanding of agricultural insurance has a certain influence on the demand of agricultural insurance. On this basis, the thesis makes a quantitative evaluation on the factors affecting the development of agricultural insurance in Guizhou province through the establishment of the Douglas production function model, and finds out the rate of compensation for agricultural insurance, the rate of natural disasters and the increase of agricultural value, The government agriculture, forestry, water and water expenditure and government subsidies have a significant impact on the agricultural insurance in Guizhou province. Finally, combining the actual situation in Guizhou Province, this paper conceived the agricultural insurance model suitable for Guizhou Province, and put forward the corresponding policy suggestions on the sustainable and stable development of the agricultural insurance in Guizhou, and thought that the farmers should think about the establishment of the agricultural insurance in Guizhou. In order to improve the farmers' income and cultivate their insurance awareness, for the insurance companies to further improve their service ability and promote the diversity of the agricultural insurance products, it is necessary for the government to make clear the responsibility of the government, to optimize the rural investment and to build a perfect disaster risk transfer system. In addition, it is necessary to cultivate the agricultural insurance talents and promote the agriculture. The legal practice of industrial insurance promotes the healthy development of agricultural insurance in Guizhou and the sustainable development of rural economy.
【學(xué)位授予單位】：貴州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.66
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