我国农村保险市场供需矛盾的原因及对策研究

摘要

我国农村人口众多，由于农民生活水平的提高，农村人口结构的变化，农村对保险业的需求不断上升。一方面体制的二元性决定了保险的二元格局；另一方面，由于农业风险的特殊性使其可保性差，从而农村的保险供给严重不充足。本文从政府的政策支持、保险公司的产品开发、营销队伍建设、保险知识宣传、农村现代化进程等几个方面进行分析，提出了缓解我农村保险市场供需矛盾的政策建议。

关键词：农村保险；有效供给；供需矛盾；大农险

RESEARCHES ON REASONS OF THE CONTRADICTION SITUATION  BETWEEN  DEMANDS  AND  SUPPLIES IN INSURANCE MARKET  IN  RURAL  CHINA  AND WAYS OF HOW TO CHANGE THIS SITUATION

ABSTRACT

There were many peoples in rural china. The demands of insurance in these area was more and more as the developing of these people’s life and the change in the structure of the people in these area. Firstly, due to the dual structure in china’s state system, the financial allocations of the government wasn’t enough, the supplies in rural wasn’t enough too. Secondly, because the agricultural danger particularity causes its insurability to be bad. Thus the countryside safe supplies are insufficient seriously, This article from increase support strength of the government’s policy, the insurance company establishes a product, marketing troops of adapting the village environment, carrying on insurance knowledge to the farmer,   Proposed policy suggestion to relief the contradictory in the supply and demand in the insurance market in rural china.

Key words: insurance in rural areas; supply in force；contradiction between supplies and demands; multiple- agriculture insurance
目录

1  绪论............................................................ .......1
1.1 课题的背景及目的............................................ .......1
1.2 国内外研究状况............................................... ......1
1.3 课题研究方法................................................ .......2
1.4 论文构成及研究内容........................................ .........2
2  我国农村保险供需矛盾的表现................................... ..........3
2.1 农村保险需求分析........................................ ...........3
2.1.1 收入增加带动保险需求上升......................... ............3
2.1.2 家庭结构变化引起养老保险需求上升................... ..........3
2.1.3 经济转型使保农村险需求上升......................... ..........3
2.2 农村保险供给不足......................................... ..........4
2.2.1供给主体以及品种单一.................................. .......4
2.2.2 服务和技术落后...................................... .........4
3  我国农村保险供给不足的原因............................................. 6
3.1 体制的二元经济性决定了保险的二元格局............................... 6
3.2 政府财力的限制..................................................... 7
3.3 农村所面临的风险的特殊性........................................... 7
3.3.1 农业面临的自然风险巨大....................................... 7
3.3.2 农民面临市场风险的挑战....................................... 7
3.3.3 农村的道德风险严重........................................... 8
3.4 认识上的偏差及技术上的原因......................................... 8
3.4.1 农民的风险意识不强........................................... 8
3.4.2 保险公司对农村市场的认识不足................................. 9
3.4.3 农业保险缺乏经验和经验数据................................... 9
3.4.4 人才短缺以及服务网络落后..................................... 9
4  缓解农村保险市场供需矛盾的对策........................................ 10
4.1 强化农民的风险意识............................................ ....10
4.1.1 发挥政府的政策引导作用......................................10
4.1.2 加大保险公司的宣传力度......................................10
4.2 为农村保险市场创造环境............................................11
4.2.1 加快农业现代化进程..........................................11
4.2.2 推进农产品科技投入..........................................12
       4.2.3 推进城镇化建设..............................................13
4.2.4 加强农业保险的制度供给......................................13
4.3 农村保险产品开发的建议............................................14
4.3.1 发展农村养老保险............................................14
4.3.2 重构新型高效农村合作医疗保险制度............................15
4.3.3 健全农村工伤失业保险........................................16
4.3.4 适应产业化需求开办设计大农险................................17
4.4 加强保险精算......................................................18
4.5 加强培训提高保险从业人员素质......................................18
4.6 创新保险组织方式..................................................19
4.6.1 合作保险的可行性分析........................................19
4.6.2 相互保险的可行性分析........................................19
4.7 加强农村保险服务网络建设..........................................20
5　总结..................................................................21
参考文献.................................................................22
致谢.....................................................................23

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】