【摘要】：基本蔬菜是國(guó)民生活所需青菜類食物,種植特點(diǎn)是生產(chǎn)周期短,在露天或大棚里栽培。雪災(zāi)、雹災(zāi)、風(fēng)災(zāi)、洪水、暴雨和蟲災(zāi)等自然災(zāi)害對(duì)蔬菜種植的襲擊時(shí)有發(fā)生,導(dǎo)致蔬菜種植戶收入損失；同時(shí),蔬菜生產(chǎn)也經(jīng)受政府經(jīng)濟(jì)和政策變動(dòng)的影響。蔬菜種植戶自身很難應(yīng)對(duì)蔬菜生產(chǎn)風(fēng)險(xiǎn)造成的損失,而地方政府對(duì)蔬菜生產(chǎn)保障問題重視程度不夠高,實(shí)施的保障措施也微不足道。 基本蔬菜生產(chǎn)風(fēng)險(xiǎn)帶來的損失嚴(yán)重影響了蔬菜種植業(yè)的發(fā)展和居民生活所需。識(shí)別基本蔬菜生產(chǎn)風(fēng)險(xiǎn)及其產(chǎn)生原因,可以為種植戶對(duì)蔬菜生產(chǎn)進(jìn)行風(fēng)險(xiǎn)管理提供有效的方法,預(yù)防蔬菜生產(chǎn)風(fēng)險(xiǎn),以保障蔬菜生產(chǎn),促進(jìn)蔬菜生產(chǎn)。而識(shí)別基本蔬菜生產(chǎn)風(fēng)險(xiǎn),找出蔬菜生產(chǎn)遭受風(fēng)險(xiǎn)的原因,并提供有效的保險(xiǎn)保障措施,以穩(wěn)定蔬菜種植戶的收入,也是政府和保險(xiǎn)公司亟待解決的現(xiàn)實(shí)問題。 福建省基本蔬菜生產(chǎn)保險(xiǎn)剛剛有了試點(diǎn),從試點(diǎn)工作情況看,保險(xiǎn)業(yè)務(wù)發(fā)展很慢,存在很多問題,基本蔬菜生產(chǎn)保險(xiǎn)需要深入研究,突破試點(diǎn)瓶頸,全面保障蔬菜生產(chǎn)。 針對(duì)福建省基本蔬菜生產(chǎn)風(fēng)險(xiǎn)和保險(xiǎn)相關(guān)問題,本文主要進(jìn)行了如下幾個(gè)方面的研究,以期為種植戶預(yù)防蔬菜生產(chǎn)風(fēng)險(xiǎn)提供理論支持,為政府決策和保險(xiǎn)公司承保蔬菜生產(chǎn)保險(xiǎn)提供依據(jù)。 首先,在系統(tǒng)梳理基本蔬菜生產(chǎn)風(fēng)險(xiǎn)和保險(xiǎn)理論的基礎(chǔ)上,分析了基本蔬菜生產(chǎn)保險(xiǎn)的影響因素；重點(diǎn)闡述了有風(fēng)險(xiǎn)就有蔬菜生產(chǎn)保險(xiǎn)這一觀點(diǎn)。 其次,分析了基本蔬菜生產(chǎn)存在的主要問題,識(shí)別出基本蔬菜生產(chǎn)存在的主要風(fēng)險(xiǎn),并以此評(píng)估基本蔬菜生產(chǎn)風(fēng)險(xiǎn)等級(jí),以幫助種植戶和保險(xiǎn)經(jīng)營(yíng)機(jī)構(gòu)等準(zhǔn)確掌握基本蔬菜生產(chǎn)的風(fēng)險(xiǎn)程度,預(yù)防和保障生產(chǎn)風(fēng)險(xiǎn)�；臼卟松a(chǎn)風(fēng)險(xiǎn)主要有自然界災(zāi)害因素和蔬菜生產(chǎn)過程田間管理因素。 再次,通過分析基本蔬菜生產(chǎn)保險(xiǎn)費(fèi)率測(cè)算的影響因素,對(duì)基本蔬菜生產(chǎn)風(fēng)險(xiǎn)導(dǎo)致各個(gè)年度損失以及損失率的測(cè)算進(jìn)行研究,厘定了基本蔬菜生產(chǎn)保險(xiǎn)費(fèi)率,設(shè)計(jì)出相應(yīng)的保險(xiǎn)產(chǎn)品,包括保險(xiǎn)金額的確定、保險(xiǎn)責(zé)任范圍的界定以及賠償條款設(shè)計(jì),以完善基本蔬菜生產(chǎn)保險(xiǎn)經(jīng)營(yíng)機(jī)制,控制保險(xiǎn)成本支出。 最后,在以上分析的基礎(chǔ)上,結(jié)合福建省基本蔬菜生產(chǎn)保險(xiǎn)現(xiàn)狀和存在的問題,給出基本蔬菜生產(chǎn)保險(xiǎn)發(fā)展的策略和建議,以保險(xiǎn)手段來保障基本蔬菜的生產(chǎn)。
[Abstract]:The basic vegetable is a kind of vegetable food which is needed in the national life. It is cultivated in the open air or in the shed because of the short production cycle. Natural disasters, such as snow, hail, wind, flood, torrential rain and insect pests, often hit vegetable growers, resulting in a loss of income for vegetable growers. At the same time, vegetable production was also affected by changes in the government's economy and policies. It is difficult for vegetable growers to cope with the losses caused by the risk of vegetable production, but the local governments do not attach enough importance to the problem of vegetable production security, and the measures implemented are insignificant. The loss caused by the risk of basic vegetable production has seriously affected the development of vegetable planting and the needs of residents. Identifying the risk of basic vegetable production and its causes can provide an effective method for growers to manage the risk of vegetable production, prevent the risk of vegetable production, ensure vegetable production and promote vegetable production. To identify the basic vegetable production risk, find out the causes of the vegetable production risk, and provide effective insurance measures to stabilize the income of vegetable growers, is also a real problem to be solved by the government and insurance companies. Fujian Province basic vegetable production insurance has just had a pilot, from the pilot work situation, insurance business development is very slow, there are many problems, basic vegetable production insurance needs in-depth research, breakthrough pilot bottleneck, comprehensive protection of vegetable production. In view of the basic vegetable production risks and insurance related problems in Fujian Province, this paper mainly carried out the following aspects of research, in order to provide theoretical support for growers to prevent vegetable production risks. For government policy-making and insurance companies underwriting vegetable production insurance to provide the basis. First of all, on the basis of systematically combing the basic vegetable production risk and insurance theory, this paper analyzes the influencing factors of the basic vegetable production insurance, and focuses on the viewpoint that there is risk and there is vegetable production insurance. Secondly, the main problems in the production of basic vegetables are analyzed, the main risks in the production of basic vegetables are identified, and the risk levels of the production of basic vegetables are evaluated. In order to help growers and insurance agencies to accurately grasp the risk of basic vegetable production, prevent and protect production risks. The main risk factors of vegetable production are natural disaster factors and field management factors in vegetable production process. Thirdly, by analyzing the influencing factors of the basic vegetable production insurance rate calculation, this paper studies the loss and loss rate of the basic vegetable production risk in each year, and determines the basic vegetable production insurance rate. The corresponding insurance products are designed, including the determination of the insurance amount, the definition of the scope of insurance liability and the design of the indemnity clause, in order to perfect the basic vegetable production insurance management mechanism and control the insurance cost and expenditure. Finally, on the basis of the above analysis, combined with the present situation and existing problems of the basic vegetable production insurance in Fujian Province, the development strategy and suggestion of the basic vegetable production insurance are put forward, and the basic vegetable production is guaranteed by means of insurance.
【學(xué)位授予單位】：中央民族大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F326.13;F842.66

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本文編號(hào)：2411992