中国政策性农业保险:发展趋势、国际比较与路径优化
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黄冈师范学院

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F840.66

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国家社会科学基金项目“倾斜性保险扶贫政策的减贫效应与路径优化研究”(19BJY116)


Policy Agricultural Insurance in China:Development Trend,International comparison and Path Optimization
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Huanggang normal university

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    摘要:

    近年来中国政策性农业保险快速发展,这与国家财政大力支持密不可分;采用描述性统计数据,梳理自2007年试点以来中国政策性农业保险的发展趋势;采用比较分析方法,选取美国、加拿大、日本等国的政策性农业保险进行对比,深入分析新形势下中国政策性农业保险存在的问题及面临的困局;研究表明:中国政策性农业保险的实践发展既与政策预期存在较大差距,与发达国家相比也还存在一些问题:农业保险政策目标与农业发展形势不相适应,财政保费补贴省域差异不明显,农业保险险种相对单一,财政支持农产品品种数量偏少,农业保险保障水平偏低,农业保险组织管理相对落后;最后提出农业保险政策的优化路径:进一步调整农业保险政策目标,“因省而异”制定中央财政差异化保费补贴政策,开展完全成本保险、产量保险及收入保险,增加财政支持农产品品种范围,提高农业保险保障水平,构建全国性农业保险管理体系。

    Abstract:

    In recent years, the rapid development of China's policy-oriented agricultural insurance is closely related to the strong support of the state finance; using descriptive statistical data to sort out the development trend of China's policy-oriented agricultural insurance since the pilot project in 2007; using comparative analysis methods, selecting the policy-oriented agricultural insurance of the United States, Canada, Japan and other countries for comparison, in-depth analysis of the existing problems and difficulties of China's policy-oriented agricultural insurance under the new situation; The research shows that there is a big gap between the practical development of policy-oriented agricultural insurance and policy expectations, and there are still some problems compared with developed countries: the objectives of agricultural insurance policy do not adapt to the situation of agricultural development, the provincial differences of financial premium subsidies are not obvious, the types of agricultural insurance insurance are relatively single, the number of agricultural products supported by financial support is relatively small, the level of agricultural insurance security is on the low side, and the management of agricultural insurance organizations is relatively backward; Finally, the optimization path of agricultural insurance policy is put forward: to further adjust the goal of agricultural insurance policy, to formulate the policy of differentiated premium subsidy of central finance "according to the province", to carry out complete cost insurance, output insurance and income insurance, to increase the range of agricultural products by financial support, to improve the level of agricultural insurance guarantee, and to construct a national agricultural insurance management system.

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历史
  • 收稿日期:2019-09-03
  • 最后修改日期:2019-12-14
  • 录用日期:2020-05-08
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