本文選題：農(nóng)業(yè)保險 + 農(nóng)業(yè)保險發(fā)展水平��； 參考：《上海師范大學(xué)》2016年碩士論文

【摘要】：農(nóng)業(yè)保險可以有效地轉(zhuǎn)移農(nóng)業(yè)風(fēng)險,分?jǐn)偨?jīng)濟(jì)損失,保障農(nóng)戶的經(jīng)濟(jì)利益,從而保證農(nóng)戶的生產(chǎn)積極性,以推動農(nóng)業(yè)的發(fā)展。目前我國農(nóng)業(yè)保險發(fā)展水平與發(fā)達(dá)國家相比,仍具有一定的差距,并且各區(qū)域的農(nóng)業(yè)保險發(fā)展存在很大差異。在這種情況下,對農(nóng)業(yè)保險發(fā)展水平進(jìn)行區(qū)域差異化研究并在此基礎(chǔ)上提出針對性建議對提高農(nóng)業(yè)保險發(fā)展水平的意義重大。本文主要圍繞區(qū)域角度展開對農(nóng)業(yè)保險發(fā)展水平的研究。首先,運(yùn)用熵值法對農(nóng)業(yè)保險發(fā)展水平做出綜合評價,得出農(nóng)業(yè)保險發(fā)展水平區(qū)域差異化的特征。在此,本文選取了農(nóng)業(yè)保險保費(fèi)收入、農(nóng)業(yè)保險深度、農(nóng)業(yè)保險密度以及農(nóng)業(yè)保險保費(fèi)的增長率這四個指標(biāo),運(yùn)用熵值法得出農(nóng)業(yè)保險發(fā)展水平的綜合值,然后把這個綜合值放在區(qū)域視角下來分析農(nóng)業(yè)保險發(fā)展水平的特點(diǎn)。其次,從需求和供給角度分析農(nóng)業(yè)保險發(fā)展水平的影響因素并通過數(shù)據(jù)說明這些因素在不同地區(qū)存在很大的差異性。最后,運(yùn)用面板數(shù)據(jù)模型進(jìn)行實(shí)證檢驗(yàn),得出影響農(nóng)業(yè)保險發(fā)展水平的主要影響因素有:農(nóng)業(yè)風(fēng)險、農(nóng)村居民人均純收入、收入結(jié)構(gòu)、政府支農(nóng)力度、農(nóng)業(yè)規(guī)模、保險公司規(guī)模。通過以上分析得出,本文得出以下結(jié)論:農(nóng)業(yè)保險發(fā)展水平呈現(xiàn)區(qū)域差異化的特征,是因?yàn)檗r(nóng)業(yè)保險發(fā)展水平的影響因素在各區(qū)域所表現(xiàn)出的差異性而導(dǎo)致的�；诖�,本文認(rèn)為提高農(nóng)業(yè)保險發(fā)展水平的措施要進(jìn)行區(qū)域劃分,各地區(qū)須根據(jù)農(nóng)業(yè)保險發(fā)展水平影響因素在本地區(qū)的特點(diǎn)有針對性地提出措施。東部地區(qū)要積極引導(dǎo)農(nóng)戶從事經(jīng)濟(jì)價值較高的農(nóng)業(yè)生產(chǎn)以及發(fā)展農(nóng)業(yè)深加工行業(yè),鼓勵開發(fā)高經(jīng)濟(jì)價值的農(nóng)業(yè)保險創(chuàng)新產(chǎn)品;中部地區(qū)要加強(qiáng)農(nóng)戶購買農(nóng)業(yè)保險的保費(fèi)補(bǔ)貼,對農(nóng)業(yè)保險給予稅收上更大的優(yōu)惠政策;西部地區(qū)要政府設(shè)立農(nóng)業(yè)巨災(zāi)保障基金,為特殊情況下的農(nóng)業(yè)保險提供保底方案,加強(qiáng)基礎(chǔ)教育設(shè)施建設(shè),重點(diǎn)培養(yǎng)農(nóng)戶的農(nóng)業(yè)生產(chǎn)技能;東北地區(qū)則鼓勵保險公司到東北地區(qū)開設(shè)分公司,積極培育農(nóng)業(yè)再保險市場,多方面支持在當(dāng)?shù)亟⒎止镜谋ｋU公司參與政府建設(shè)項目。
[Abstract]:Agricultural insurance can effectively transfer agricultural risks, share economic losses, protect the economic interests of farmers, and thus ensure the enthusiasm of farmers to promote the development of agriculture.Compared with the developed countries, there is still a certain gap in the development level of agricultural insurance in China, and there are great differences in the development of agricultural insurance in different regions.In this case, it is of great significance to study the regional differentiation of the development level of agricultural insurance and put forward targeted suggestions to improve the development level of agricultural insurance.This paper focuses on the regional perspective of agricultural insurance development level research.Firstly, the development level of agricultural insurance is evaluated synthetically by entropy method, and the characteristics of regional differentiation of agricultural insurance development level are obtained.In this paper, we select the four indexes of agricultural insurance premium income, agricultural insurance depth, agricultural insurance density and the growth rate of agricultural insurance premium, and use entropy method to obtain the comprehensive value of agricultural insurance development level.Then put this comprehensive value in the regional perspective to analyze the characteristics of the level of agricultural insurance development.Secondly, the factors affecting the development level of agricultural insurance are analyzed from the point of view of demand and supply, and the data show that these factors are very different in different regions.Finally, using panel data model to empirical test, the main factors that affect the level of agricultural insurance development are: agricultural risk, per capita net income of rural residents, income structure, government support for agriculture, agricultural scale,The size of an insurance company.Through the above analysis, this paper draws the following conclusion: the development level of agricultural insurance presents the characteristics of regional differentiation, which is caused by the difference of the influencing factors of the development level of agricultural insurance in different regions.Based on this, this paper holds that the measures to improve the development level of agricultural insurance should be divided into regions, and the measures should be put forward according to the characteristics of the factors affecting the development level of agricultural insurance in this area.The eastern region should actively guide farmers to engage in agricultural production of relatively high economic value and develop agricultural deep processing industries, encourage the development of innovative agricultural insurance products of high economic value, and strengthen premium subsidies for farmers to purchase agricultural insurance in the central region.In the western region, the government should set up a fund for the protection of agricultural catastrophe, provide a plan to protect agricultural insurance under special circumstances, and strengthen the construction of basic education facilities.The northeast region encourages insurance companies to open branches in Northeast China, actively cultivate the agricultural reinsurance market, and support local insurance companies to participate in government construction projects.
【學(xué)位授予單位】：上海師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F842.66

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