我国农村保险对农村经济发展制约机制研究

摘要

农村保险的发展对农村经济发展具有重要作用。我国目前农村保险发展缓慢，对农村经济发展的制约主要表现在：保险品种少导致农民利益难保障，农村保险结构不合理导致其功能和作用未能充分发挥。在此基础上分析了我国农村保险发展缓慢的原因，并重点研究了应如何完善农村保险体系以促进农村经济的发展，文章从以下几个方面提出了政策建议：（1）农村保险产品的创新（2）建立农业经济损失补偿制度（3）加大宣传力度普及保险知识（4）推进人才战略弘扬诚信保险文化。

关键词：农村保险；农村经济发展；制约机制
THE RESEARCH OF OUR COUNTRY COUNTRYSIDE INSURANCE TO RURAL ECONOMY DEVELOPMENTRESTRICTION MECHANISM

ABSTRACT

The article pointed out that the development of rural insurance development of the rural economy plays an important role. China's current rural insurance development has been slow, development of the rural economy and the performance of the major constraints the insurance varieties less difficult to protect the interests of farmers and the irrational structure of rural insurance to their roles and functions into full play. Based on this analysis of China's rural insurance development of the reasons for the slow, and the study should focus on how to improve the insurance system in rural areas to promote the development of rural economy. The article made the following policy recommendations:(1) rural insurance product innovation (2) the need to establish agricultural economic loss compensation system(3) the urgent need for universal insurance to farmers knowledge(4) promoting Talent Strategy, promote cultural integrity insurance.

Key word: Countryside insurance; Rural economy development; Restriction mechanism

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