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我国农业保险的发展困境及对策


全文字数:12000字左右  原创时间:<=2022年

【内容摘要】

我国农业保险的发展困境及对策


摘 要
随着经济的发展、社会的进步,保险已经成为人们有效规避风险的首选方式,尤其是在中国加入世贸组织之际,随着外资保险公司的大兵压境,人们保险意识的普遍提升,一时间,各类险种红红火火地开展起来,中国保险业大有欣欣向荣之势。然而,这种繁荣却无法掩盖长期以来中国农业保险发展滞后的现实,其他险种越是开展红火,农业保险发展的不平衡性就越是明显。农业保险的萎缩与农业大国的现状极不协调。虽然我国在农业保险市场进行了一系列试点和改革,但面对保险业的全面开放和建设社会主义新农村的新形势,我国农业保险发展仍处于低水平,还不成熟,困难重重。文章借鉴国外农业保险发展的经验,分析了我国农业保险发展的现状与面临的困境并提出了一些解决的方法。农业保险在稳定农业生产和促进农民增收,推动农村经济的发展方面都有着重要的意义。

关 键 词:农业保险;风险管理;再保险;逆向选择;强制保险
 Countermeasures and Development Dilemma of China's Agricultural Insurance
 
ABSTRACT
With the development of the economy and the progress of the society, insurance has become the first choice for an effective way to avoid risks. Especially when China join into WTO, a lot of foreign insurance companies came and people’s awareness of insurance have made a great advance. At that time various types of them is booming, and China's insurance industry is tend to grow. However, this prosperity could not dissemble the true of that  agricultural insurance is undeveloped in china.
The more we carry out other insurances, the more unbalanced agricultural insurance will be development. This is not match with the fact that China is a large agricultural country.Although we have carried out a series of experimental reforms in our agricultural insurance market, but it is still undeveloped and immature to match with all-embracing opening policy and to build a new socialist countryside. 
This article draw on some foreign experiences ,analyzed its development problems and corresponding difficults in our agricultural insurance ,and provides some useful solutions.
Therefore agricultural insurance is of great significance on both stabilizing agricultural production and promote the increasing famers’ income, which will promote the development of rural economy.

KEY WORDS: agricultural insurance; risk management;reinsurance; adverse selection;compulsory insurance

 

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