【摘要】：農(nóng)業(yè)作為國(guó)民經(jīng)濟(jì)的基礎(chǔ)產(chǎn)業(yè)，其生產(chǎn)是否穩(wěn)定直接影響著整個(gè)社會(huì)經(jīng)濟(jì)的發(fā)展。農(nóng)業(yè)風(fēng)險(xiǎn)具有風(fēng)險(xiǎn)單位大、發(fā)生頻率高、損失規(guī)模大、區(qū)域效應(yīng)明顯等特點(diǎn)。因此，農(nóng)業(yè)也是一個(gè)高風(fēng)險(xiǎn)的弱質(zhì)產(chǎn)業(yè)。農(nóng)業(yè)保險(xiǎn)作為一種市場(chǎng)化風(fēng)險(xiǎn)轉(zhuǎn)移和應(yīng)對(duì)機(jī)制，其重要性不言而喻。自2003年底，我國(guó)新一輪農(nóng)業(yè)保險(xiǎn)試點(diǎn)實(shí)施以來，農(nóng)業(yè)保險(xiǎn)取得了顯著的成績(jī)，農(nóng)業(yè)保險(xiǎn)尤其是政策性農(nóng)業(yè)保險(xiǎn)在我國(guó)取得了實(shí)質(zhì)性的進(jìn)展。同時(shí)，，一些問題也隨著農(nóng)業(yè)保險(xiǎn)的深入開展正不斷顯現(xiàn)。本文分別對(duì)農(nóng)業(yè)保險(xiǎn)的三方主體，即農(nóng)戶、保險(xiǎn)公司、政府的行為特征進(jìn)行分析，并建立了農(nóng)戶與保險(xiǎn)公司、政府與保險(xiǎn)公司之間的博弈模型，最后針對(duì)出現(xiàn)的問題提出了相應(yīng)的政策建議。 論文共分為六個(gè)部分： 第一章緒論。本部分主要介紹本文研究的背景、目的和意義，闡述農(nóng)業(yè)保險(xiǎn)國(guó)內(nèi)外研究現(xiàn)狀，說明本文研究的方法，并對(duì)技術(shù)路線進(jìn)行大致描述，最后提出本文研究的主要?jiǎng)?chuàng)新點(diǎn)和不足之處。 第二章政策性農(nóng)業(yè)保險(xiǎn)相關(guān)概念及理論基礎(chǔ)。本部分主要闡述了農(nóng)業(yè)保險(xiǎn)、政策性農(nóng)業(yè)保險(xiǎn)的相關(guān)概念及理論基礎(chǔ)。 第三章國(guó)內(nèi)外政策性農(nóng)業(yè)保險(xiǎn)發(fā)展概況。本部分首先論述了我國(guó)政策性農(nóng)業(yè)保險(xiǎn)曲折發(fā)展歷程、曲折發(fā)展的制約因素及我國(guó)政策性農(nóng)業(yè)保險(xiǎn)的近期探索。其次對(duì)國(guó)外農(nóng)業(yè)保險(xiǎn)發(fā)展過程中的典型模式進(jìn)行了逐一的論述。最后得出國(guó)內(nèi)外政策性農(nóng)業(yè)保險(xiǎn)經(jīng)典模式對(duì)我國(guó)的啟示。 第四章政策性農(nóng)業(yè)保險(xiǎn)參與主體行為特征分析。本章對(duì)農(nóng)業(yè)保險(xiǎn)三方參與主體農(nóng)戶、保險(xiǎn)公司、政府的行為特征進(jìn)行了透徹的分析，為下章三方主體博弈打下理論基礎(chǔ)。 第五章政策性農(nóng)業(yè)保險(xiǎn)參與主體博弈分析。本部分主要針對(duì)農(nóng)業(yè)保險(xiǎn)實(shí)踐過程中出現(xiàn)的違規(guī)行為建立了農(nóng)戶與保險(xiǎn)公司、政府與保險(xiǎn)公司的博弈模型。通過兩者之間的博弈分析，提出了行為優(yōu)化策略，以期促進(jìn)政策性農(nóng)業(yè)保險(xiǎn)健康運(yùn)行。 第六章促進(jìn)我國(guó)政策性農(nóng)業(yè)保險(xiǎn)發(fā)展的政策建議。根據(jù)以上分析，分別從農(nóng)戶、保險(xiǎn)公司、政府三個(gè)角度提出促進(jìn)我國(guó)農(nóng)業(yè)保險(xiǎn)可持續(xù)發(fā)展的相關(guān)政策建議。
[Abstract]:As the basic industry of national economy, whether the production of agriculture is stable or not directly affects the development of the whole society and economy. Agricultural risk has the characteristics of large unit of risk, high frequency of occurrence, large scale of loss and obvious regional effect. Therefore, agriculture is also a high-risk weak industry. Agricultural insurance as a market-oriented risk transfer and response mechanism, its importance is self-evident. Since the implementation of a new round of agricultural insurance in China at the end of 2003, agricultural insurance has made remarkable achievements. Agricultural insurance, especially policy-based agricultural insurance, has made substantial progress in China. At the same time, some problems are also emerging with the further development of agricultural insurance. This paper analyzes the behavior characteristics of farmers, insurance companies and governments, and sets up a game model between farmers and insurance companies, government and insurance companies, and analyzes the behavior characteristics of the three parties of agricultural insurance, namely, farmers, insurance companies and the government. Finally, the corresponding policy recommendations are put forward to solve the problems. The thesis is divided into six parts: the first chapter is introduction. This part mainly introduces the background, purpose and significance of this study, expounds the status quo of agricultural insurance research at home and abroad, explains the methods of this research, and describes the technical route roughly. Finally, the main innovations and shortcomings of this paper are put forward. The second chapter is related concepts and theoretical basis of policy-oriented agricultural insurance. This part mainly elaborated the agricultural insurance, the policy agricultural insurance related concept and the theoretical foundation. The third chapter is about the development of policy-oriented agricultural insurance at home and abroad. This part first discusses the development of policy-oriented agricultural insurance in China, the restrictive factors and the recent exploration of policy-based agricultural insurance in China. Secondly, the typical models in the development of foreign agricultural insurance are discussed one by one. Finally, the enlightenment of the classical mode of policy-oriented agricultural insurance at home and abroad to our country is obtained. The fourth chapter is the analysis of the behavior characteristics of policy-oriented agricultural insurance participants. This chapter makes a thorough analysis of the behavior characteristics of the farmers, insurance companies and governments of the three parties involved in agricultural insurance, which lays a theoretical foundation for the next chapter of the game between the three parties. The fifth chapter is the game analysis of policy-oriented agricultural insurance participants. In this part, the game model between farmers and insurance company, government and insurance company is established for the illegal behavior in agricultural insurance practice. In order to promote the healthy operation of policy-based agricultural insurance, the strategy of behavior optimization is put forward through the game analysis between the two. The sixth chapter is the policy suggestion to promote the development of policy-oriented agricultural insurance in our country. According to the above analysis, from the farmers, insurance companies, the government three angles to promote the sustainable development of China's agricultural insurance policy recommendations.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.66;F224.32

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