| 江 芸.广东省农业保险高质量发展对策[J].广东农业科学,2020,47(10):166-172 |
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广东省农业保险高质量发展对策 |
| Countermeasures for High-quality Development of Agricultural Insurance in Guangdong Province |
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| DOI：10.16768/j.issn.1004-874X.2020.10.021 |
| 中文关键词: 农业保险 高质量发展 补贴险种 财政补贴 保险密度 保险深度 |
| 英文关键词: agricultural insurance high-quality development type of subsidized insurance government subsidy |
| 基金项目:广东农垦经济学会研究项目（20200601） |
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| 摘要点击次数: 1495 |
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| 中文摘要: |
| 【目的】为推动广东省农业保险高质量发展，更好地满足“三农”领域日益增长的风险保障需求，分析广东省农业保险发展现状及存在问题，并提出相关对策与建议。【方法】利用 2007—2019 年广东省农业保险的统计数据，并结合广东省政策性农业保险实施的具体情况 , 运用文献分析法和比较分析法，从农业保险险种、财政补贴机制、发展水平、市场经营环境、农户风险意识和获得感等方面，分析广东省农业保险现状和存在的主要问题。【结果】广东省政策性农业保险补贴险种仍偏少，农业保险补贴机制不完善，保险密度和深度明显低于全国水平，农业保险经营机构存在明显垄断现象，农户对农业保险的认知度较低和获得感不强。【结论】针对当前存在的问题，需从构建多层次农业保险保障体系、建立完善的农业巨灾保险机制、优化财政补贴政策、完善承保机构遴选机制、优化提升保险服务入手，推动广东省农业保险高质量发展。 |
| 英文摘要: |
| 【Objective】In order to promote the high-quality development of agricultural insurance in Guangdong Province, and better meet the increasing demand for risk protection in the“agriculture, rural areas and farmers”, this paper attempts to analyze the development status of agricultural insurance and main problems in Guangdong Province, and put forward some countermeasures and suggestions.【Method】With the statistical data of agricultural insurance in Guangdong Province from 2007 to 2019 and the implementation of agricultural insurance policy in Guangdong Province, through the literature analysis method and comparative analysis method, the current situation and main existing problems in agricultural insurance are analyzed from six aspects including types of agricultural insurance, financial subsidy mechanisms, developmental level, market operating environment, farmers’ risk awareness of agricultural insurance and their sense of contentment.【Result】The types of policy-oriented agricultural insurance subsidies and the mechanism of agricultural insurance subsidies are relatively inadequate, the depth and density of agricultural insurance are lower than the national average, obvious monopolies exist in agricultural insurance operating agencies, and the farmers’ awareness of agricultural insurance and their sense of contentment are relatively low.【Conclusion】In order to promote the high-quality development of agricultural insurance in Guangdong Province, several solutions are proposed: constructing a multi-level agricultural insurance guarantee system, setting up a comprehensive agricultural catastrophic insurance mechanism, optimizing financial subsidy policies, enhancing the selection mechanism of insurance agencies, and optimizing and improving insurance services. |
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