本文選題：河南農(nóng)業(yè) + 政策性農(nóng)業(yè)保險(xiǎn)��； 參考：《河南農(nóng)業(yè)大學(xué)》2014年碩士論文

【摘要】：農(nóng)業(yè)是人類的生存之本，作為一個(gè)傳統(tǒng)的農(nóng)業(yè)大國(guó)，同時(shí)也是遭受自然災(zāi)害最嚴(yán)重的國(guó)家之一，“三農(nóng)”問題是決定中國(guó)經(jīng)濟(jì)社會(huì)發(fā)展水平的一個(gè)重要因素，在我國(guó)的國(guó)民經(jīng)濟(jì)中發(fā)揮重要作用。在經(jīng)濟(jì)社會(huì)快速發(fā)展和科技水平不斷提高的今天，盡管人類抵御自然災(zāi)害的能力不斷增強(qiáng)，技術(shù)不斷創(chuàng)新，手段不斷增多，但由于我國(guó)國(guó)民對(duì)保護(hù)生態(tài)的意識(shí)不足、全球生態(tài)環(huán)境的持續(xù)惡化，在整個(gè)農(nóng)業(yè)生產(chǎn)過程中受到自然災(zāi)害的發(fā)生頻率和強(qiáng)度卻呈上升趨勢(shì)。農(nóng)業(yè)保險(xiǎn)具有抵御和分散農(nóng)業(yè)生產(chǎn)風(fēng)險(xiǎn)，降低災(zāi)害損失，穩(wěn)定農(nóng)業(yè)生產(chǎn)的作用，符合WTO規(guī)則中的“綠箱”政策，是穩(wěn)定農(nóng)業(yè)生產(chǎn)的有效手段之一，現(xiàn)已成為許多國(guó)家農(nóng)業(yè)政策體系的重要組成部分。推行政策性農(nóng)業(yè)保險(xiǎn)對(duì)實(shí)現(xiàn)農(nóng)民增收，農(nóng)業(yè)增效具有重要的現(xiàn)實(shí)意義，同時(shí)完善的政策性農(nóng)業(yè)保險(xiǎn)制度在確保國(guó)家糧食安全，促進(jìn)國(guó)民經(jīng)濟(jì)協(xié)調(diào)可持續(xù)發(fā)展等方面具有非常重要的戰(zhàn)略意義。我國(guó)農(nóng)業(yè)保險(xiǎn)一直在不斷摸索中曲折前進(jìn)，近年來，在國(guó)家大力支持下，開始實(shí)施政策性農(nóng)業(yè)保險(xiǎn)試點(diǎn)工作，農(nóng)業(yè)保險(xiǎn)險(xiǎn)種不斷增加，試點(diǎn)范圍不斷擴(kuò)大，各地區(qū)對(duì)農(nóng)業(yè)保險(xiǎn)的重視程度不斷提高，我國(guó)的政策性農(nóng)業(yè)保險(xiǎn)迎來了快速發(fā)展的極好機(jī)遇。大力發(fā)展政策性農(nóng)業(yè)保險(xiǎn)，是我國(guó)作為農(nóng)業(yè)大國(guó)和發(fā)展中國(guó)家合理運(yùn)用WTO規(guī)則、健全完善農(nóng)業(yè)保護(hù)體系、規(guī)避農(nóng)業(yè)生產(chǎn)風(fēng)險(xiǎn)、穩(wěn)定農(nóng)業(yè)發(fā)展的有效途徑。 河南省作為傳統(tǒng)的農(nóng)業(yè)大省和人口大省，其農(nóng)業(yè)發(fā)展水平不僅直接影響河南省的經(jīng)濟(jì)發(fā)展和社會(huì)穩(wěn)定，而且關(guān)系到整個(gè)國(guó)家的糧食安全和經(jīng)濟(jì)社會(huì)發(fā)展。河南省從1982年開始商業(yè)性的農(nóng)業(yè)保險(xiǎn)嘗試，在1991還建立了農(nóng)村互助統(tǒng)籌保險(xiǎn)模式，在國(guó)內(nèi)很多地區(qū)得到認(rèn)可和推廣。但是在1998年以后，河南省農(nóng)業(yè)保險(xiǎn)發(fā)展停滯，互助統(tǒng)籌保險(xiǎn)也因?yàn)槿狈ω?cái)政、行政支持，缺乏組織依靠等原因也隨之失敗。直到2007年，中央政府確定了新一批的農(nóng)業(yè)保險(xiǎn)試點(diǎn)地區(qū)，河南省的政策性農(nóng)業(yè)保險(xiǎn)才進(jìn)入平穩(wěn)較快發(fā)展的新時(shí)期。實(shí)踐證明，堅(jiān)持在政府主導(dǎo)下的商業(yè)化運(yùn)營(yíng)模式才是促進(jìn)農(nóng)業(yè)保險(xiǎn)快速平穩(wěn)發(fā)展的必由之路。所以通過分析河南省政策性農(nóng)業(yè)保險(xiǎn)發(fā)展現(xiàn)狀，找出其發(fā)展過程中出現(xiàn)的問題，再借鑒國(guó)內(nèi)外政策性農(nóng)業(yè)保險(xiǎn)的成功模式和成熟經(jīng)驗(yàn)，找出具有河南省特色的農(nóng)業(yè)保險(xiǎn)發(fā)展模式，對(duì)穩(wěn)定農(nóng)業(yè)生產(chǎn)，建立完善的農(nóng)村社保制度，增加農(nóng)民收入，加快新農(nóng)村建設(shè)，保障我國(guó)糧食安全，乃至促進(jìn)全國(guó)的經(jīng)濟(jì)社會(huì)發(fā)展都具有重要意義。 本論文共分為五部分：第一部分主要從研究背景、研究目的和意義、研究綜述、研究?jī)?nèi)容和方法等方面進(jìn)行闡述。第二部分主要介紹了農(nóng)業(yè)保險(xiǎn)的概念、分類和特點(diǎn)，政策性農(nóng)業(yè)保險(xiǎn)的概念、特點(diǎn)并對(duì)我國(guó)農(nóng)業(yè)保險(xiǎn)的發(fā)展歷程進(jìn)行概述。第三部分通過對(duì)河南省農(nóng)業(yè)保險(xiǎn)的發(fā)展歷史和政策性農(nóng)業(yè)保險(xiǎn)的發(fā)展現(xiàn)狀進(jìn)行研究，找出河南省政策性農(nóng)業(yè)保險(xiǎn)在發(fā)展中出現(xiàn)的問題和制約因素。第四部分介紹了國(guó)外典型的政策性農(nóng)業(yè)保險(xiǎn)經(jīng)營(yíng)模式，，分析各個(gè)國(guó)家政策性農(nóng)業(yè)保險(xiǎn)的經(jīng)營(yíng)特點(diǎn)和成功經(jīng)驗(yàn)，總結(jié)各個(gè)國(guó)家經(jīng)營(yíng)方式的共同特點(diǎn)，找出適合我省政策性農(nóng)業(yè)保險(xiǎn)發(fā)展模式。第五部分針對(duì)我省政策性農(nóng)業(yè)保險(xiǎn)發(fā)展中存在的缺陷和問題，通過對(duì)國(guó)內(nèi)外成功經(jīng)驗(yàn)的分析和總結(jié)，提出了相應(yīng)的對(duì)策和建議。
[Abstract]:Agriculture is the foundation of human existence. As a traditional agricultural country, it is also one of the countries which have suffered the most serious natural disasters. The "three rural" problem is an important factor to determine the level of economic and social development in China. It plays an important role in the national economy of China. The rapid development of economy and society and the continuous improvement of the level of science and technology are increasing. Today, although the ability to resist natural disasters is increasing, technology is constantly innovating, and the means are increasing. However, the frequency and intensity of natural disasters in the whole agricultural production process is on the rise due to the lack of awareness of the protection of ecology and the continuous deterioration of the global ecological environment in the whole agricultural production process. Controlling and dispersing the risk of agricultural production, reducing the loss of disaster and stabilizing the agricultural production, is in line with the "green box" policy in the WTO rules. It is one of the effective means to stabilize the agricultural production, and has now become an important part of the agricultural policy system in many countries. At the same time, a perfect policy based agricultural insurance system has a very important strategic significance in ensuring national food security and promoting the coordinated and sustainable development of the national economy. China's agricultural insurance has been trying to make a zigzag progress. In recent years, under the support of the state, the pilot agricultural insurance pilot began to be carried out. Our country's policy based agricultural insurance has welcomed the great opportunity for rapid development. The development of policy based agricultural insurance is the rational use of WTO rules and perfect agriculture as a big agricultural country and developing country. Industry protection system is an effective way to avoid agricultural production risks and stabilize agricultural development.
Henan Province, as a traditional agricultural province and large population province, its agricultural development level not only directly affects the economic development and social stability of Henan Province, but also relates to the food security and economic and social development of the whole country. From 1982, Henan province started the commercial agricultural insurance attempt, and in 1991 also established the rural mutual assistance insurance model. But in 1998, the development of agricultural insurance in Henan was stagnant, and mutual aid overall insurance also failed because of lack of finance, administrative support and lack of organizational dependence. Until 2007, the central government established a new batch of agricultural insurance pilot areas, and the policy agriculture in Henan province. Insurance has entered a new period of stable and rapid development. Practice has proved that the only way to promote the rapid and smooth development of agricultural insurance is the only way to promote the rapid and smooth development of agricultural insurance. Therefore, through the analysis of the current development status of the policy based agricultural insurance in Henan, the problems arising in the development process are found, and then the policy agriculture at home and abroad is used for reference. The successful mode and mature experience of insurance, and find out the development mode of agricultural insurance with the characteristics of Henan Province, are of great significance to stabilizing agricultural production, establishing a perfect rural social security system, increasing the income of farmers, speeding up the construction of new countryside, ensuring the food security of our country and even promoting the economic and social development of the whole country.
This paper is divided into five parts: the first part mainly from the research background, research purpose and significance, research review, research content and methods and other aspects. The second part mainly introduces the concept, classification and characteristics of agricultural insurance, the concept of policy based agricultural insurance, and summarizes the development process of agricultural insurance in China. The three part, through the study of the development history of agricultural insurance in Henan province and the current situation of the development of policy based agricultural insurance, finds out the problems and restrictive factors in the development of policy based agricultural insurance in Henan province. The fourth part introduces the typical foreign policy mode of policy based agricultural insurance, and analyzes the policy based agricultural insurance in each country. Operating characteristics and successful experience, summing up the common characteristics of various countries' operation mode, finding out the suitable development mode of policy based agricultural insurance in our province. The fifth part aims at the defects and problems existing in the development of policy based agricultural insurance in our province, and puts forward the corresponding countermeasures and suggestions through the analysis and summary of the successful experience at home and abroad.
【學(xué)位授予單位】：河南農(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

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