本文選題：政策性農(nóng)業(yè)保險 + 生產(chǎn)支持�。� 參考：《內(nèi)蒙古財經(jīng)大學》2014年碩士論文

【摘要】：我國農(nóng)業(yè)戶口人口比重高達65%(2012年年底)，作為一個農(nóng)業(yè)大國，從古至今重視農(nóng)業(yè)，農(nóng)業(yè)一直是我國的社會基礎和國民經(jīng)濟的重要組成部分，農(nóng)業(yè)的持續(xù)健康發(fā)展直接關系到國家經(jīng)濟的命脈。同時，我國又是一個因東西南北跨度大、地形地貌復雜、氣溫條件差異大且自然災害頻發(fā)的國家，各種自然災害每年都會對農(nóng)業(yè)生產(chǎn)發(fā)展造成非常嚴重的損失，影響著農(nóng)業(yè)經(jīng)濟的健康發(fā)展和農(nóng)民生活的穩(wěn)定提高。農(nóng)業(yè)保險作為分散農(nóng)業(yè)風險、化解災害損失的有效手段，不僅符合WTO農(nóng)業(yè)協(xié)議規(guī)定的“綠箱”政策，而且也符合我國支持和穩(wěn)定農(nóng)業(yè)生產(chǎn)的政策，還有利于恢復農(nóng)業(yè)再生產(chǎn)、穩(wěn)定農(nóng)民收入和促進農(nóng)村經(jīng)濟發(fā)展。我國與世界上大多數(shù)國家一樣，也積極開展了農(nóng)業(yè)保險業(yè)務來應對農(nóng)業(yè)風險帶來的損失，穩(wěn)定農(nóng)業(yè)基礎地位以及加快農(nóng)業(yè)現(xiàn)代化進程推進�！秶窠�(jīng)濟和社會發(fā)展十二五發(fā)展規(guī)劃綱要》及2014年中央一號文件都明確要求:要積極發(fā)展政策性農(nóng)業(yè)保險,不斷健全農(nóng)業(yè)保險制度。 山西省是我國農(nóng)耕文化的發(fā)祥地和黃河中游古老的農(nóng)業(yè)區(qū)之一，是我國重要的小雜糧生產(chǎn)基地，具有“雜糧王國”稱號。而自然災害的頻發(fā)給山西省的農(nóng)業(yè)生產(chǎn)帶來了具大影響，尤其以干旱、洪澇、冰雹影響較為嚴重。因此，農(nóng)業(yè)的健康發(fā)展需要政策性農(nóng)業(yè)保險的支持。雖然山西省開展農(nóng)業(yè)保險較早，取得了一定的成績，但政策性農(nóng)業(yè)保險在山西省依然發(fā)展緩慢，發(fā)展狀況不完善、法律法規(guī)不健全、農(nóng)險公司少、保險險種短缺、承保規(guī)模和承保范圍小、道德風險嚴重等原因，不僅難以有效補償農(nóng)業(yè)災害損失滿足農(nóng)民需求，對農(nóng)戶生產(chǎn)支持起不到較好的促進作用，更與其他開展農(nóng)業(yè)保險省份相比有較大差距。因此，，結合山西省農(nóng)業(yè)和經(jīng)濟實際發(fā)展情況，參考優(yōu)秀省份經(jīng)驗，探尋出一條適合山西省支持農(nóng)戶生產(chǎn)的政策性農(nóng)業(yè)保險道路，具有十分重要的理論價值和現(xiàn)實意義。 本文根據(jù)西方經(jīng)濟學、金融學和保險學的基本原理，借鑒國內(nèi)外農(nóng)業(yè)保險發(fā)展的理論與實踐，運用實證分析與規(guī)范分析相結合的方法，系統(tǒng)分析了山西省政策性農(nóng)業(yè)保險對農(nóng)戶支持現(xiàn)狀及支持效應，找出政策性農(nóng)業(yè)保險對農(nóng)戶支持不足的原因，并提出促進山西省政策性農(nóng)業(yè)保險發(fā)展的對策建議。 在研究內(nèi)容的編排序列上作了如下安排： 第一章是緒論，主要闡述本文的研究背景意義、國內(nèi)外研究綜述、研究方法和思維路線，并提出研究的不足以及創(chuàng)新之處。通過對國內(nèi)外文獻研究發(fā)現(xiàn)，關于農(nóng)業(yè)保險市場不足原因更多側(cè)重于有效需求不足的探索，而從供給角度分析較少；同時，保險作為金融產(chǎn)品的一部分，從金融角度分析也具有很大的理論價值和現(xiàn)實意義。 第二章是闡述本文所用的相關理論。本章首先對保險、農(nóng)業(yè)保險以及政策性農(nóng)業(yè)保險相關概念及特征給予界定。并系統(tǒng)闡述農(nóng)業(yè)保護理論、供給領先理論和農(nóng)業(yè)保險供需理論。 第三章是本文研究山西省政策性農(nóng)業(yè)保險的現(xiàn)實鋪墊，概述農(nóng)業(yè)保險在山西省的發(fā)展現(xiàn)狀和政策性農(nóng)業(yè)保險對農(nóng)戶生產(chǎn)支持的現(xiàn)狀， 第四章利用實證分析，通過對山西省統(tǒng)計年鑒、保險年鑒、行業(yè)數(shù)據(jù)等各種數(shù)據(jù)的分析統(tǒng)計，結合山西省政策性農(nóng)業(yè)保險開展情況，從經(jīng)濟補償角度、生產(chǎn)角度和收入角度三個方面分析研究了政策性農(nóng)業(yè)保險對農(nóng)戶生產(chǎn)的支持效應，并對以上三方面效應進行評估，得出山西省政策性農(nóng)業(yè)保險對農(nóng)戶生產(chǎn)的支持主要表現(xiàn)在經(jīng)濟補償、生產(chǎn)支持和收入穩(wěn)定三方面。 第五章基于相關理論基礎和山西省政策性農(nóng)業(yè)保險支持現(xiàn)狀，分析了山西省政策性農(nóng)業(yè)保險對農(nóng)戶生產(chǎn)支持不足的原因。分別從山西省農(nóng)業(yè)保險市場經(jīng)營環(huán)境、當?shù)卣С至Χ群捅ｋU人（即保險公司）自身供給三個角度進行了深入分析。 第六章是在第五章的基礎上，針對政策性農(nóng)業(yè)保險對農(nóng)戶生產(chǎn)支持不足原因，提出對策建議。主要有農(nóng)業(yè)保險市場經(jīng)營環(huán)境的改善，包括降低保險公司經(jīng)營成本、提高農(nóng)戶道德水平和收入水平下；政府支持力度的提升，包括完善法律法規(guī)建設、改進補貼方式、增加保險公司供給和建立巨災風險分散機制；保險人自身供給的增強，包括產(chǎn)品創(chuàng)新、積極宣傳、人才培養(yǎng)和技術提升。 最后，希望通過本文研究，能夠?qū)ι轿魇≌咝赞r(nóng)業(yè)保險支持農(nóng)戶生產(chǎn)起到推動作用，并進而促進山西省農(nóng)業(yè)健康穩(wěn)定持續(xù)發(fā)展和農(nóng)民收入穩(wěn)步提高。
[Abstract]:The proportion of agricultural household population in China is up to 65% (at the end of 2012). As a big agricultural country, agriculture has been paid much attention to from ancient times to the present. Agriculture has always been the social foundation of our country and an important part of the national economy. The sustainable and healthy development of agriculture is directly related to the lifeblood of the country's economy. In a country with complex geomorphology, high temperature difference and frequent natural disasters, various natural disasters will cause serious losses to the development of agricultural production every year, affecting the healthy development of agricultural economy and improving the stability of farmers' lives. As an effective means of dispersing agricultural risks and dissolving the loss of disasters, agricultural insurance not only conforms to WTO, but also conforms to the effective means of dissolving the loss of disasters. The policy of "green box" stipulated in the agricultural agreement also conforms to the policy of supporting and stabilizing agricultural production in our country. It is also conducive to restoring agricultural reproduction, stabilizing farmers' income and promoting the development of rural economy. Like most countries in the world, China has also actively carried out the agricultural insurance insurance business to deal with the losses caused by agricultural risks and stabilize the risk. The basic status of agriculture and the promotion of the process of agricultural modernization drive. The program for development of national economy and social development in 12th Five-Year and the No. 1 document in 2014 have clearly demanded that the policy oriented agricultural insurance should be actively developed and the agricultural insurance system should be continuously improved.
Shanxi province is the birthplace of farming culture in China and one of the ancient agricultural areas in the middle reaches of the Yellow River. It is an important small grain production base in China and has the title of "grain kingdom". The frequent occurrence of natural disasters has brought great influence on the agricultural production of Shanxi Province, especially in the drought, flood, and hail. Therefore, the healthy development of agriculture. It is necessary to support the policy based agricultural insurance. Although Shanxi province has made some achievements in developing agricultural insurance earlier, the policy based agricultural insurance still develops slowly in Shanxi Province, the development situation is not perfect, the laws and regulations are not perfect, the insurance companies are less, the insurance insurance is short, the scope of insurance and the scope of insurance are small, and the moral risk is serious, and so on. It is not only difficult to effectively compensate the loss of agricultural disasters to meet the needs of farmers, not to promote the production support of farmers, but also have a large gap compared with the other provinces to carry out agricultural insurance. Therefore, according to the actual development of agricultural and economic development in Shanxi province and the experience of the outstanding provinces, a suit for Shanxi province to support the farmers' students is sought. The policy oriented agricultural insurance policy is of great theoretical and practical significance.
Based on the basic principles of western economics, finance and insurance, and using the theory and practice of the development of agricultural insurance at home and abroad, using the method of combination of empirical analysis and normative analysis, this paper systematically analyzes the status and support effect of policy based agricultural insurance in Shanxi Province on Farmers' support, and finds out the shortage of policy based agricultural insurance to farmers' support. And puts forward countermeasures and suggestions to promote the development of policy oriented agricultural insurance in Shanxi.
The following is the arrangement of research contents:
The first chapter is the introduction, which mainly expounds the background significance of the research, the domestic and foreign research review, the research method and the thinking route, and puts forward the shortcomings and innovation of the research. Through the literature research at home and abroad, it is found that the reasons for the shortage of agricultural insurance market are more focused on the insufficient effective demand and less analysis from the perspective of supply. At the same time, insurance, as a part of financial products, has great theoretical and practical significance in financial analysis.
The second chapter is to elaborate the relevant theories used in this article. This chapter first defines the related concepts and characteristics of insurance, agricultural insurance and policy based agricultural insurance, and systematically expounds the theory of agricultural protection, the theory of supply leading and the theory of supply and demand of agricultural insurance.
The third chapter is the practical paving for the study of the policy based agricultural insurance in Shanxi province. The present situation of the development of agricultural insurance in Shanxi province and the status of policy based agricultural insurance to farmers' production support are summarized.
In the fourth chapter, through the empirical analysis, through the analysis and statistics of various data such as the statistical yearbook of Shanxi Province, the insurance Yearbook, the industry data, and the situation of the policy based agricultural insurance in Shanxi Province, this paper analyzes and studies the supporting effect of the policy based agricultural insurance on the production of farmers from the angle of economic compensation, the angle of production and the angle of income in three aspects. The above three effects are evaluated, and it is concluded that the support of policy based agricultural insurance in Shanxi province is mainly in three aspects: economic compensation, production support and income stability.
The fifth chapter, based on the relevant theoretical basis and the status of the policy based agricultural insurance in Shanxi Province, analyzes the reasons for the insufficient support of the policy based agricultural insurance in Shanxi province to the farmers' production support, respectively from the operating environment of the agricultural insurance market in Shanxi Province, the support of the local government and the self supply of the insurer (that is, the insurance company). Analysis.
The sixth chapter, on the basis of the fifth chapter, puts forward some suggestions on the reasons for the insufficient support of the policy based agricultural insurance to the production of farmers, mainly including the improvement of the operating environment of the agricultural insurance market, including reducing the operating costs of the insurance companies, raising the level of the farmers' moral and income, and improving the government's support, including the improvement of the legal law. We should build, improve the mode of subsidy, increase the supply of insurance companies and establish the mechanism of catastrophe risk dispersion, and enhance the supply of the insurer itself, including product innovation, positive propaganda, talent training and technical promotion.
Finally, I hope that through this study, it can play a role in supporting the production of policy based agricultural insurance in Shanxi Province, and further promote the steady and steady development of agricultural health in Shanxi province and the steady increase of farmers' income.
【學位授予單位】：內(nèi)蒙古財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.66;F323.6

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