【摘要】：自1978年國(guó)家調(diào)整漁業(yè)經(jīng)濟(jì)發(fā)展戰(zhàn)略到2016年的近40年以來(lái),我國(guó)的漁業(yè)產(chǎn)業(yè)實(shí)現(xiàn)了突飛猛進(jìn)的增長(zhǎng)。目前,我國(guó)水產(chǎn)養(yǎng)殖產(chǎn)量超過(guò)世界水產(chǎn)養(yǎng)殖總量的70%,已經(jīng)成為了名副其實(shí)的漁業(yè)第一大國(guó)。水產(chǎn)養(yǎng)殖業(yè)不僅在水產(chǎn)養(yǎng)殖者生活中起到越來(lái)越重要的作用,同時(shí),水產(chǎn)養(yǎng)殖業(yè)在國(guó)民優(yōu)質(zhì)蛋白以及國(guó)家糧食安全戰(zhàn)略中的角色地位也日漸凸顯。同時(shí),水產(chǎn)養(yǎng)殖業(yè)與大農(nóng)業(yè)中的其他行業(yè)相比,有投入成本高、災(zāi)害風(fēng)險(xiǎn)高、損失程度重、產(chǎn)品市場(chǎng)價(jià)格不穩(wěn)定等特點(diǎn),每年因?yàn)?zāi)致貧、因?yàn)?zāi)返貧的漁民不計(jì)其數(shù)。因此,加強(qiáng)對(duì)水產(chǎn)養(yǎng)殖行業(yè)的保障顯得越來(lái)越重要。但是,水產(chǎn)養(yǎng)殖業(yè)的高風(fēng)險(xiǎn)性以及保險(xiǎn)政策支持的薄弱性,削弱了保險(xiǎn)公司開(kāi)展水產(chǎn)養(yǎng)殖保險(xiǎn)的主動(dòng)性,我國(guó)水產(chǎn)養(yǎng)殖保險(xiǎn)目前僅處于小規(guī)模試點(diǎn)階段,對(duì)水產(chǎn)養(yǎng)殖業(yè)的保障遠(yuǎn)遠(yuǎn)不足。實(shí)踐證明,在風(fēng)險(xiǎn)分散以及補(bǔ)償機(jī)制中,保險(xiǎn)是最重要的工具,與直接性的災(zāi)害救濟(jì)手段相比,保險(xiǎn)不僅能補(bǔ)償漁民的經(jīng)濟(jì)損失,穩(wěn)定漁業(yè)產(chǎn)業(yè)的發(fā)展,同時(shí),也為政府參與社會(huì)管理提供了新的抓手。近年來(lái),學(xué)者開(kāi)始對(duì)水產(chǎn)養(yǎng)殖保險(xiǎn)進(jìn)行嘗試性研究,但是涉及水產(chǎn)養(yǎng)殖保險(xiǎn)的需求與滿意度的研究很少�；谏鲜稣J(rèn)識(shí),本文將以山東省為例,對(duì)水產(chǎn)養(yǎng)殖保險(xiǎn)需求市場(chǎng)進(jìn)行相關(guān)研究,本文也希望通過(guò)對(duì)水產(chǎn)養(yǎng)殖保險(xiǎn)的需求影響因素以及現(xiàn)行水產(chǎn)養(yǎng)殖保險(xiǎn)的滿意度進(jìn)行系統(tǒng)的分析,為水產(chǎn)養(yǎng)殖保險(xiǎn)的完善與發(fā)展提供參考。山東省是我國(guó)的水產(chǎn)養(yǎng)殖大省,水產(chǎn)養(yǎng)殖保險(xiǎn)試點(diǎn)工作也屬于全國(guó)范圍較為成功的代表。本文以山東省為調(diào)查對(duì)象,著重調(diào)研了煙臺(tái)、威海、濰坊、青島、濟(jì)寧等山東水產(chǎn)養(yǎng)殖聚集區(qū)以及水產(chǎn)養(yǎng)殖保險(xiǎn)試點(diǎn)區(qū),在實(shí)地調(diào)研、統(tǒng)計(jì)分析的基礎(chǔ)上,運(yùn)用計(jì)量經(jīng)濟(jì)學(xué)的方法與工具,借助Eviews、Spss等計(jì)量經(jīng)濟(jì)學(xué)軟件對(duì)統(tǒng)計(jì)指標(biāo)進(jìn)行分析。本文首先用Logit模型分析了水產(chǎn)養(yǎng)殖保險(xiǎn)的需求影響因素,在此基礎(chǔ)上又借助因子分析法對(duì)現(xiàn)行水產(chǎn)養(yǎng)殖保險(xiǎn)的滿意度進(jìn)行了分析,并進(jìn)一步探究了制約水產(chǎn)養(yǎng)殖保險(xiǎn)發(fā)展的因素并提出了相應(yīng)的建議。本文寫(xiě)作共有六章組成。第一章是論文的緒論,主要包括論文的選題背景與意義、國(guó)內(nèi)外文獻(xiàn)綜述、研究方法與技術(shù)路線以及論文的創(chuàng)新點(diǎn)與不足之處。第二章是水產(chǎn)養(yǎng)殖保險(xiǎn)概述,內(nèi)容包括水產(chǎn)養(yǎng)殖行業(yè)特點(diǎn)、水產(chǎn)養(yǎng)殖行業(yè)風(fēng)險(xiǎn)性、水產(chǎn)養(yǎng)殖保險(xiǎn)的功能以及水產(chǎn)養(yǎng)殖保險(xiǎn)發(fā)展的歷程。第三章對(duì)山東省水產(chǎn)養(yǎng)殖保險(xiǎn)市場(chǎng)進(jìn)行分析。內(nèi)容包山東省水產(chǎn)養(yǎng)殖產(chǎn)業(yè)發(fā)展概況、調(diào)研問(wèn)卷的設(shè)計(jì)及組織實(shí)施、山東省水產(chǎn)養(yǎng)殖保險(xiǎn)的描述性統(tǒng)計(jì)分析、山東省水產(chǎn)養(yǎng)殖保險(xiǎn)需求影響因素實(shí)證分析以及山東省水產(chǎn)養(yǎng)殖保險(xiǎn)市場(chǎng)滿意度因子分析。通過(guò)運(yùn)用Logit模型分析漁民購(gòu)買(mǎi)水產(chǎn)養(yǎng)殖保險(xiǎn)的影響因素可以發(fā)現(xiàn),漁民對(duì)水產(chǎn)養(yǎng)殖保險(xiǎn)的需求受到保費(fèi)水平、保障程度、保費(fèi)補(bǔ)貼水平等11個(gè)因素的影響,其中保費(fèi)水平對(duì)保險(xiǎn)的需求產(chǎn)生反向影響,補(bǔ)貼水平對(duì)保險(xiǎn)需求的影響最為顯著、影響程度最高。通過(guò)因子分析模型可知,四個(gè)維度因子對(duì)漁業(yè)保險(xiǎn)滿意度評(píng)價(jià)的影響程度與得分分別為:保險(xiǎn)服務(wù)因子(33.626%,3.4分)、保障水平因子(27.997%,3.9分)、保險(xiǎn)價(jià)格因子(21.096%,2.8分)、政策支持因子(14.905%,2.5分)。第四章是山東省水產(chǎn)養(yǎng)殖保險(xiǎn)發(fā)展面臨的制約因素。目前水產(chǎn)養(yǎng)殖保險(xiǎn)主要存在水產(chǎn)養(yǎng)殖保險(xiǎn)機(jī)構(gòu)宣傳力度小、宣傳效果弱;產(chǎn)品設(shè)計(jì)創(chuàng)新不足,服務(wù)生命周期短,服務(wù)質(zhì)量與客戶預(yù)期差距大;政策目標(biāo)不明確、覆蓋面窄、政策推進(jìn)速度慢等制約因素。第五章是山東省水產(chǎn)養(yǎng)殖保險(xiǎn)發(fā)展的對(duì)策建議。文章主要從拓寬保險(xiǎn)展業(yè)、宣傳渠道,提升漁民對(duì)產(chǎn)品的知曉率與滿意度;增強(qiáng)產(chǎn)品設(shè)計(jì)創(chuàng)新力度,提升產(chǎn)品與漁民需求的“契合度”;提升服務(wù)質(zhì)量與服務(wù)效率,提升漁民的體驗(yàn)滿意度與忠誠(chéng)度以及完善水產(chǎn)養(yǎng)殖保險(xiǎn)的相關(guān)政策,提升保費(fèi)補(bǔ)貼比例與覆蓋面四方面進(jìn)行了論證。第六章為研究結(jié)論與研究展望。主要總結(jié)了論文的研究結(jié)論并對(duì)下一步的研究進(jìn)行展望。
[Abstract]:From 1978 to 2016, China's fishery industry has achieved rapid growth. At present, China's aquaculture production exceeds 70% of the world's total aquaculture, and has become the largest fishery country in the world. Aquaculture industry not only plays a role in the lives of aquaculture people. At the same time, compared with other industries in large agriculture, aquaculture has the characteristics of high investment cost, high disaster risk, heavy losses and unstable market prices of products, resulting in poverty every year. There are countless fishermen returning to poverty due to disasters. Therefore, it is more and more important to strengthen the protection of aquaculture industry. However, the high risk of aquaculture industry and the weakness of insurance policy support weaken the initiative of insurance companies to carry out aquaculture insurance. Practice has proved that insurance is the most important tool in the risk dispersal and compensation mechanism. Compared with direct disaster relief measures, insurance can not only compensate fishermen's economic losses and stabilize the development of fishery industry, but also provide a new grasp for the government to participate in social management. Based on the above understanding, this paper will take Shandong Province as an example to study the demand market for aquaculture insurance. This paper also hopes to analyze the factors influencing the demand for aquaculture insurance and the current aquaculture insurance. The satisfaction degree of reproductive insurance is systematically analyzed to provide reference for the improvement and development of aquaculture insurance. Shandong Province is a big province of aquaculture in China, and the pilot work of aquaculture insurance is also a relatively successful representative of the whole country. On the basis of field investigation and statistical analysis, this paper uses econometric methods and tools to analyze the statistical indicators with the help of econometric software such as Eviews and Spss. Firstly, this paper uses Logit model to analyze the demand factors of aquaculture insurance. In this paper, six chapters are included. The first chapter is the introduction of the paper, mainly including the background and significance of the topic, literature review at home and abroad. The second chapter is the overview of aquaculture insurance, including the characteristics of aquaculture industry, the risk of aquaculture industry, the function of aquaculture insurance and the development process of aquaculture insurance. The general situation of the development of aquaculture industry in Shandong Province, the design and implementation of the questionnaire, the descriptive statistical analysis of aquaculture insurance in Shandong Province, the empirical analysis of the factors influencing the demand of aquaculture insurance in Shandong Province, and the factor analysis of satisfaction of the market of aquaculture insurance in Shandong Province were carried out. Influencing factors of reproductive insurance can be found that fishermen's demand for aquaculture insurance is affected by 11 factors, such as the level of premium, the degree of protection, the level of premium subsidy and so on. Among them, the level of premium has a reverse effect on the demand for insurance, and the level of subsidy has the most significant effect on the demand for insurance, with the highest degree of influence. The four dimensions of the factors are: insurance service factor (33.626%, 3.4 points), guarantee level factor (27.997%, 3.9 points), insurance price factor (21.096%, 2.8 points), policy support factor (14.905%, 2.5 points). The fourth chapter is the restrictive factors of the development of aquaculture insurance in Shandong Province. Aquaculture insurance mainly exists in the propaganda of aquaculture insurance institutions is weak, propaganda effect is weak; product design innovation is insufficient, service life cycle is short, service quality and customer expectations gap is large; policy objectives are not clear, coverage is narrow, policy promotion speed is slow and other constraints. Chapter V is the development of aquaculture insurance in Shandong Province countermeasures. This article mainly discusses the following aspects: broadening the insurance exhibition industry, publicity channels, enhancing the awareness and satisfaction of fishermen to the products; strengthening the innovation of product design, enhancing the "fit degree" between the products and the needs of fishermen; improving the service quality and efficiency, enhancing the fishermen's experience satisfaction and loyalty, and improving the relevant policies of aquaculture insurance. Chapter 6 is the conclusion and Prospect of the study. It mainly summarizes the conclusions of the study and looks forward to the next step of the study.
【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】：2017
【分類號(hào)】：F326.4;F842.66

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本文編號(hào)：2234763