PL保险公司农业保险发展制约因素分析及对策研究

发布时间：2018-03-23 19:09

本文选题：PL保险公司　切入点：农业保险　出处：《东北大学》2013年硕士论文

【摘要】：PL保险公司自1983年恢复开办农业保险以来,经历了恢复试办、市场运作、探索尝试和高速发展四个阶段,虽然在发挥保险的基本职能和派生职能,提高全民的保险认知程度,促进信贷对农业的支持,放大政府财政资金的投入效应等方面发挥的一定的作用,但仍存在一些不容忽视的问题,例如缺乏财政配套资金的约束机制、承保机构管理水平不高、农户的道德风险和逆选择严重、缺少有效的巨灾风险分散机制等。导致目前PL保险公司农业保险发展与农村经济发展、农民需求不相适应,公司经营政策性农业保险的经营模式使农业保险出现“供需双冷”的现象,导致农业保险的“市场失灵”及其低效率。针对上述PL保险公司农业保险发展中存在的问题,本文立足于农业保险的基本理论,通过对国内外农业保险的经营模式和经验借鉴,在分析了PL保险公司农业保险发展历程和现状的基础上,通过采取随机抽样问卷调查和农户随机采访的方法,对辽宁省13个市(除大连)农户农业风险与防范情况进行问卷调查,旨在通过对发放收回的650份问卷数据进行分析整理,通过供需的角度查找出PL保险公司农业保险中存在问题以及农业保险发展的主要制约因素,提出了促进PL保险公司农业保险发展的对策建议,即进一步清晰PL保险公司农业保险发展目标与模式,完善公司农业保险承保和理赔业务流程以及适合于该业务流程的组织机构及资金保障,进一步健全农业保险相关的法律法规和建立农业巨灾损失基金和农业保险再保险机制,从而对PL保险公司农业保险健康快速发展具有重要的现实意义。
[Abstract]:Since the resumption of agricultural insurance in 1983, the PL insurance company has experienced four stages of resumption of trial operation, market operation, exploration, and rapid development, although it is exerting the basic and derivative functions of insurance and raising the level of insurance awareness among the whole people. Promoting the support of credit to agriculture and amplifying the investment effect of government financial funds play a certain role, but there are still some problems that can not be ignored, such as the lack of restraint mechanism of financial supporting funds, the low management level of underwriting institutions, and so on. Farmers' moral hazard and adverse choice are serious and lack of effective catastrophe risk dispersal mechanism. As a result, the current agricultural insurance development of PL insurance company and the development of rural economy do not meet the needs of farmers. The management mode of the company's policy agricultural insurance causes the phenomenon of "cold supply and demand", which leads to the "market failure" of agricultural insurance and its low efficiency. In view of the problems existing in the development of agricultural insurance of PL insurance company mentioned above, this paper bases on the basic theory of agricultural insurance, and draws lessons from the management mode and experience of agricultural insurance at home and abroad. On the basis of analyzing the development course and present situation of agricultural insurance of PL insurance company, this paper adopts the method of random sampling questionnaire survey and peasant household random interview. The agricultural risks and precautions of farmers in 13 cities (except Dalian) of Liaoning Province were investigated by questionnaires. The aim of this survey was to analyze and sort out 650 questionnaires that were issued and recovered. From the point of view of supply and demand, this paper finds out the problems existing in the agricultural insurance of PL insurance companies and the main restricting factors of the development of agricultural insurance, and puts forward some countermeasures and suggestions to promote the development of agricultural insurance in PL insurance companies. That is, to further clarify the development objectives and models of agricultural insurance of PL insurance companies, to improve the business processes of underwriting and settling claims of agricultural insurance of companies, as well as the organization and financial security suitable for this business process, Further perfecting the laws and regulations related to agricultural insurance and establishing agricultural catastrophe loss fund and agricultural insurance reinsurance mechanism have important practical significance for the healthy and rapid development of agricultural insurance of PL insurance company.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.66

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