【摘要】：海南省擁有豐富的熱帶農(nóng)業(yè)資源和良好的生態(tài)環(huán)境,農(nóng)業(yè)在海南省國民經(jīng)濟中占有基礎性地位,然而海南省地處熱帶,臺風、洪澇和干旱等自然災害頻繁,且以家庭經(jīng)營為主的生產(chǎn)經(jīng)營方式風險承擔能力較弱,每年都會因自然災害造成巨大損失。農(nóng)業(yè)保險是管理農(nóng)業(yè)風險的有效手段,但由于農(nóng)業(yè)保險標的是有生命的動植物,且農(nóng)業(yè)風險具有高度相關性,農(nóng)業(yè)保險在經(jīng)營的各個環(huán)節(jié)都存在特殊困難,農(nóng)業(yè)保險市場的信息不對稱比其他市場更為嚴重,由此導致的道德風險和逆向選擇問題也更為突出,而且由于政府的介入,問題更加復雜。國內外實踐都表明,按照一般商業(yè)保險的經(jīng)營方式來經(jīng)營農(nóng)業(yè)保險是行不通的。農(nóng)業(yè)保險的發(fā)展離不開政府的支持,海南省政府應當大力支持農(nóng)業(yè)保險,然而海南省政策性農(nóng)業(yè)保險還處于試點階段,很多理論和實踐中的問題有待解決。 本文通過運用農(nóng)業(yè)保險相關理論,對海南省農(nóng)業(yè)保險發(fā)展歷程、現(xiàn)狀、存在問題及原因進行深入探討,充分借鑒國內外農(nóng)業(yè)保險發(fā)展的成功經(jīng)驗,結合海南省實際情況,為海南省農(nóng)業(yè)保險進一步發(fā)展提供切實可行、可操作性強的對策建議,解決海南農(nóng)民和農(nóng)業(yè)企業(yè)在生產(chǎn)過程中迫切需要的農(nóng)業(yè)保險,保障熱帶高效農(nóng)業(yè)有序發(fā)展、農(nóng)民增收致富、農(nóng)村社會穩(wěn)定。本文在理論上揭示了海南省農(nóng)業(yè)保險發(fā)展緩慢的深層次原因,界定了農(nóng)業(yè)保險市場主體的職能,明確了農(nóng)業(yè)保險在農(nóng)業(yè)發(fā)展中的地位,有助于農(nóng)業(yè)保險市場的頂層設計。在實踐上本文綜合考慮海南省農(nóng)業(yè)生產(chǎn)、財政實力等基本情況,提出有針對性的對策建議,對海南省農(nóng)業(yè)保險實踐有很強的指導意義。本文的創(chuàng)新點在于,對國內外成功的農(nóng)業(yè)保險經(jīng)營模式進行了深入研究,立足于海南省財政支撐能力、農(nóng)業(yè)生產(chǎn)條件、農(nóng)戶收入水平等基本現(xiàn)實,提出以共保體為主、多種保險組織形式協(xié)調發(fā)展的農(nóng)業(yè)保險經(jīng)營模式,共同促進海南省農(nóng)業(yè)保險持續(xù)健康發(fā)展。
[Abstract]:Hainan Province has abundant tropical agricultural resources and good ecological environment. Agriculture plays a fundamental role in the national economy of Hainan Province. However, Hainan Province is located in the tropics, typhoons, floods, drought and other natural disasters. The risk bearing capacity of the production and management mode, which is based on family management, is weak, and it will cause huge losses every year due to natural disasters. Agricultural insurance is an effective means to manage agricultural risks. However, because the subject matter of agricultural insurance is a living animal and plant, and agricultural risks are highly relevant, agricultural insurance has special difficulties in all aspects of management. The information asymmetry of agricultural insurance market is more serious than other markets, and the moral hazard and adverse selection problems are more prominent, and the problems are more complicated because of the government intervention. The practice at home and abroad shows that it is not feasible to operate agricultural insurance according to general commercial insurance. The development of agricultural insurance can not be separated from the support of the government. The Hainan provincial government should make great efforts to support agricultural insurance. However, the policy agricultural insurance of Hainan Province is still in the pilot stage, and many theoretical and practical problems need to be solved. Based on the theory of agricultural insurance, this paper discusses the development course, present situation, existing problems and reasons of agricultural insurance in Hainan Province, and fully draws lessons from the successful experience of agricultural insurance development at home and abroad, combining with the actual situation of Hainan Province. To provide practical and feasible countermeasures and suggestions for the further development of agricultural insurance in Hainan Province, to solve the urgent needs of agricultural insurance for farmers and agricultural enterprises in Hainan in the production process, and to ensure the orderly development of highly efficient agriculture in the tropics. Farmers to increase income and become rich, rural social stability. This paper theoretically reveals the deep reasons for the slow development of agricultural insurance in Hainan Province, defines the function of the main body of agricultural insurance market, and clarifies the position of agricultural insurance in agricultural development, which is helpful to the top level design of agricultural insurance market. In practice, this paper synthetically considers the basic situation of Hainan's agricultural production and financial strength, and puts forward some countermeasures and suggestions, which is of great guiding significance to the practice of Hainan's agricultural insurance. The innovation of this paper is that the successful agricultural insurance management model at home and abroad has been deeply studied, based on the basic reality of Hainan Province, such as financial support ability, agricultural production conditions, peasant household income level, and so on. The coordinated development of agricultural insurance in various forms of insurance organizations promotes the sustainable and healthy development of agricultural insurance in Hainan Province.
【學位授予單位】：海南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.66

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