發(fā)布時間：2019-01-01 12:23

【摘要】：農(nóng)村經(jīng)濟的發(fā)展是國家經(jīng)濟發(fā)展理論研究的核心問題,擁有一套系統(tǒng)并且完善的農(nóng)業(yè)保險體系,可以對農(nóng)業(yè)生產(chǎn)起到有效地保駕護航的作用。近年來,中央政府高度關注農(nóng)業(yè)保險的發(fā)展,我國政策性農(nóng)業(yè)保險在面臨良好發(fā)展機遇的同時,也存在諸多制約因素。農(nóng)業(yè)保險是連接農(nóng)村和農(nóng)村經(jīng)濟的重要環(huán)節(jié),對保證鄉(xiāng)村經(jīng)濟的穩(wěn)定、保障鄉(xiāng)村社會的穩(wěn)定、推進鄉(xiāng)村經(jīng)濟的改革有重大的影響力,農(nóng)業(yè)保險借助現(xiàn)代保險的金融管理功能和潛在風險分攤功能有效的化解了在農(nóng)業(yè)生產(chǎn)中遭遇到的自然災害、病蟲害和疫病等影響糧食減產(chǎn)、農(nóng)民欠收、糧食市場供給失調(diào)、種糧積極性不高的尷尬局面。我國現(xiàn)行的農(nóng)業(yè)保險制度就是一種政策性農(nóng)業(yè)保險制度,這種保險制度是依附于政府農(nóng)業(yè)補貼,不以盈利為目的保險政策。政策性農(nóng)業(yè)保險發(fā)展現(xiàn)狀與問題研究,對推進農(nóng)業(yè)保險更廣泛更深入服務三農(nóng),建設小康社會具有重要的現(xiàn)實性意義。文章研究的對象是我國政策性農(nóng)業(yè)保險發(fā)展的現(xiàn)狀,通過對發(fā)展歷程和現(xiàn)狀的分析,一方面表明政策性農(nóng)業(yè)保險取得了一定的進步,發(fā)揮了聚集風險,災后補償?shù)淖饔?切實參與到了農(nóng)村社會管理之中,在實現(xiàn)城鄉(xiāng)發(fā)展一體化、農(nóng)業(yè)現(xiàn)代化中發(fā)揮了至關重要的作用；另一方面提出了政策性農(nóng)業(yè)保險在發(fā)展環(huán)境,政策性農(nóng)業(yè)保險本身具備的不足以及保險公司經(jīng)營政策性農(nóng)業(yè)保險存在的問題幾個方面存在的問題,這幾個方面的問題能否解決也是政策性農(nóng)業(yè)保險能否更廣泛、更深入的推進的的關鍵,也是本文通過研究需要解決的問題。通過對問題的分析,最終提出了意見建議：為政策性農(nóng)業(yè)保險營造良性的發(fā)展氛圍；充分發(fā)揮政府的主導作用,體現(xiàn)農(nóng)業(yè)保險的政策性提高保險公司經(jīng)營政策性農(nóng)業(yè)保險的積極性。為政策性農(nóng)業(yè)保險的推進提出了合理化建議。
[Abstract]:The development of rural economy is the core problem of the theory of national economic development. Having a systematic and perfect agricultural insurance system can effectively protect agricultural production. In recent years, the central government pays close attention to the development of agricultural insurance. Agricultural insurance is an important link linking rural areas and rural economy. It has great influence on ensuring the stability of rural economy, ensuring the stability of rural society and promoting the reform of rural economy. With the help of the financial management function and the potential risk sharing function of modern insurance, agricultural insurance effectively resolves the natural disasters encountered in agricultural production, diseases, pests, and epidemics that affect grain production, farmers' failure to harvest, and the imbalance in the supply of grain markets. An awkward situation in which the enthusiasm for growing grain is not high. China's current agricultural insurance system is a policy-oriented agricultural insurance system, which is dependent on the government agricultural subsidies, not for profit as the purpose of insurance policy. The research on the present situation and problems of policy-oriented agricultural insurance is of practical significance in promoting agricultural insurance to serve agriculture, countryside and farmers more widely and deeply, and to build a well-off society. The research object of this paper is the current situation of the development of policy-oriented agricultural insurance in China. Through the analysis of the development process and present situation, it is shown that policy-oriented agricultural insurance has made some progress and played the role of aggregate risk and post-disaster compensation. Participate in the rural social management, in the realization of urban and rural development integration, agricultural modernization has played a vital role; On the other hand, it points out the problems in the development environment, the shortcomings of policy-oriented agricultural insurance and the problems existing in the insurance companies' operation of policy-oriented agricultural insurance. Whether these problems can be solved or not is the key of whether policy-oriented agricultural insurance can be promoted more widely and deeply, and is also the problem that needs to be solved through the research in this paper. Finally, through the analysis of the problems, some suggestions are put forward: to create a benign development atmosphere for policy-oriented agricultural insurance; Give full play to the leading role of the government and embody the policy of agricultural insurance to improve the enthusiasm of insurance companies to operate policy-oriented agricultural insurance. Put forward rationalization suggestion for policy agriculture insurance.
【學位授予單位】：西南交通大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.66;F323

【參考文獻】

相關期刊論文 前3條

1 鮑曉娟,原愛娟,張真真;淺析農(nóng)業(yè)保險與政府作為[J];安徽農(nóng)學通報;2004年02期

2 張曉云;外國政府農(nóng)業(yè)保險補貼的方式及其經(jīng)驗教訓[J];財政研究;2004年09期

3 朱海洋,張曉麗;中國農(nóng)業(yè)保險發(fā)展的兩難困境及對策[J];湖南農(nóng)業(yè)大學學報(社會科學版);2004年03期

，

本文編號：2397560