發(fā)布時間：2018-02-26 22:21

  本文關(guān)鍵詞： 河南 農(nóng)業(yè)保險 經(jīng)營模式　出處：《中南林業(yè)科技大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：農(nóng)業(yè)是一項弱質(zhì)產(chǎn)業(yè)。農(nóng)業(yè)是一個特殊的產(chǎn)業(yè)部門,是自然再生產(chǎn)和經(jīng)濟再生產(chǎn)的統(tǒng)一體,因此,農(nóng)業(yè)生產(chǎn)會受到經(jīng)濟因素與自然災(zāi)害的影響,特別是自然災(zāi)害,對農(nóng)業(yè)生產(chǎn)的影響尤甚。再加上廣大農(nóng)村長期存在的傳統(tǒng)小農(nóng)形式的分散經(jīng)營方式,農(nóng)業(yè)生產(chǎn)難以抵御自然災(zāi)害和市場經(jīng)濟風(fēng)險的雙重影響,所以,必須通過農(nóng)業(yè)保險的制度設(shè)計來保障農(nóng)業(yè)生產(chǎn)。 河南省作為一個農(nóng)業(yè)大省,對全省農(nóng)業(yè)保險模式的研究,探索出一條適合河南省農(nóng)業(yè)保險健康發(fā)展的道路,對于全省新農(nóng)村建設(shè)具有重要的現(xiàn)實意義。然而,在農(nóng)業(yè)保險的經(jīng)營中,由于農(nóng)業(yè)保險發(fā)展的政策環(huán)境較差,農(nóng)戶對農(nóng)業(yè)保險的有效需求不足以及農(nóng)業(yè)保險面臨有效供給不足的困境,河南省農(nóng)業(yè)保險難以獲得長遠的發(fā)展。 針對這些問題,本文剖析現(xiàn)行農(nóng)業(yè)保險制度模式運行中存在的矛盾和問題,借鑒國內(nèi)外農(nóng)業(yè)保險經(jīng)營模式的發(fā)展方式和經(jīng)驗,采用規(guī)范分析與實證分析、定性分析和定量分析相結(jié)合的方式,結(jié)合公共產(chǎn)品理論、制度變遷理論和國家干預(yù)市場機制理論,分析研究河南省農(nóng)業(yè)保險存在的問題和深層次原因：一是農(nóng)業(yè)保險發(fā)展的政策環(huán)境較差,二是農(nóng)戶對農(nóng)業(yè)保險的有效需求不足,三是農(nóng)業(yè)保險面臨有效供給不足的困境�；诖�,本文對河南省農(nóng)業(yè)保險經(jīng)營模式的整體框架予以重構(gòu),框架通過制度設(shè)計即再保險機制、市場運行機制、風(fēng)險管理機制、激勵約束機制以及信息不對稱規(guī)避機制來嘗試解決。并提出解決問題的對策：(1)加大政府政策扶持力度；(2)健全農(nóng)業(yè)保險法律法規(guī)體系；(3)增強保險公司的服務(wù)能力和水平；(4)加強農(nóng)業(yè)保險教育宣傳工作；(5)構(gòu)建農(nóng)業(yè)保險發(fā)展的保障機制。希望通過本文的研究,能為河南省農(nóng)業(yè)經(jīng)濟的健康、持續(xù)發(fā)展提供理論支持,能為政策的制定者和實踐者提供有效的參考。
[Abstract]:Agriculture is a weak industry. Agriculture is a special industry, unity, natural reproduction and economic reproduction therefore affect agricultural production will be affected by economic factors and natural disasters, especially natural disasters, especially the impact on agricultural production. The traditional form of small-scale decentralized management plus wide the long-term existence of the double impact of agricultural production, it is difficult to resist natural disasters and the risk of market economy so must through the design of the system of agricultural insurance to protect agricultural production.
As a big agricultural province of Henan Province, study of the province's agricultural insurance mode, explore a suitable way for the healthy development of agricultural insurance in Henan Province, has an important practical significance for the construction of new rural areas. However, in the agricultural insurance business, due to poor policy environment for the development of agricultural insurance, farmers lack of effective demand the agricultural insurance and agricultural insurance is faced with the plight of the lack of effective supply of agricultural insurance in Henan Province, it is difficult to obtain long-term development.
To solve these problems, this paper analyzes the contradictions and problems existing in the operation of the agricultural insurance system pattern, referring to the development and experience of agricultural insurance business model at home and abroad, using normative analysis and empirical analysis, qualitative analysis and quantitative analysis methods, combined with the theory of public goods, the theory of institutional change and state intervention theory of the market mechanism. Analysis on the existing problems of agricultural insurance in Henan province and deep-seated reasons: one is the poor policy environment for the development of agricultural insurance, two farmers is lack of effective demand for agricultural insurance, agricultural insurance is facing three effective supply shortage dilemma. Based on this, this paper reconstructs the overall framework of the business model of agricultural insurance in Henan Province, the framework through the design of the system is reinsurance mechanism. The operation of the market mechanism, risk management mechanism, incentive mechanism and regulation mechanism to avoid the information asymmetry Try to solve it. And put forward the countermeasures to solve the problems: (1) increase government policy support; (2) improve the agricultural insurance legal system; (3) enhance the capacity and level of service of the insurance company; (4) strengthen agricultural insurance education; (5) establishing security mechanism for the development of agricultural insurance. I hope through in this paper, for the agricultural economy in Henan Province health and sustainable development to provide theoretical support, can provide effective reference for policy makers and practitioners.

【學(xué)位授予單位】：中南林業(yè)科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.66

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本文編號：1539896