期刊文献+

我国种植业政策性保险制度:由设计到实践的挑战——以湖南省为例 被引量:10

Policy-oriented Crop Insurance System in China: the Challenge from Design to Implementation:Case study in Hunan Province
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摘要 本文以湖南省为例,通过调研发现,我国政策性种植业保险在上一阶段的试点中面临的主要问题包括,种植业生产风险的相关性与不确定性使得相关的保险产品定价困难,风险分散的效率低;我国小农经济、分散经营的国情使得保险工作量大,经营成本高;农民缺乏基本的自然灾害保险的知识,风险意识较差。在种植业保险的机制设计与运营实践中,政府职能超越了引导鼓励的范围;产品设计违背了市场运作的原则;统保模式违背了自主自愿的初衷;利益不一致破坏了协同推进的效果。解决当前的主要问题应当建立有效的成本分担机制和激励机制,通过合理的产品设计和制度创新实现共赢,并充分发挥基层的力量,协调配合各个部门,以促进我国种植业保险工作的深入开展。 Taking Hunan Province as example,this article reviewed operational mode characteristic and problems in the implementation of policy-oriented crop insurance from 2007 to 2010,and proposed relevant recommendations.Through investigation in Hunan Province,it is found that main objective issues include: the mutual dependency and uncertainty inherent in agricultural risk make difficult pricing and inefficient risk diversification;vast terrain and decentralized policy-holders make large workload and high administrative costs;farmers lack the basic knowledge about natural disaster insurance.The main problems in design and operation mechanism include: governments' function goes beyond the extent of guidance and encouragement;product design violates the principle of market operation;a unified model of underwriting goes against the original intention of voluntarism;inconsistent interests damage the co-promoting effects.To solve the main problems,reasonable rates should be set Based on scientific and technological support;an effective cost-sharing mechanisms and incentives should be established;the strength of grass-roots level should be given full play;various departments should be coordinated to promote crop insurance development.
出处 《农业经济问题》 CSSCI 北大核心 2012年第2期44-49,111,共6页 Issues in Agricultural Economy
基金 国家自然科学基金委项目"巨灾风险防范-IHDP-IRG核心科学计划案例研究"(编号:40821140354)
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参考文献6

  • 1Peijun Shi, Di Tang, Jing Liu, Bo Chen, Meiqin Zhou. 2008, Natural Disaster Insurance: Issues and Strategy of China. In:Asian Catastrophe Insurance, Edited by Charles Scawthom and Kiyoushi kobayashi, FIAGSTONERE, London :79 - 93.
  • 2Swiss Reinsurance Company Ltd. 2008. Setting up Sustainable Agricultural Insurance : the Example of China. Focus report of Swiss Re.
  • 3湖南省财政厅.关于印发湖南省2009年农业保险实施方案的通知.湘财金[2009]19号.
  • 4湖南省财政厅等.关于印发湖南省2009年政策性农业保险条款的通知.湘财金[2009]20号.
  • 5经济参考报.我国政策性农业保险推行亟需克服三大难题.http://www.sina.eom.cn.2007-12-04.
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二级参考文献12

  • 1Makki, S.S.: Crop Insurance: Inherent Problems and Innovative Ssolutions, in Luther Tweeten, L. & Thompson, S. R. eds.: Agricultural Policy for the 21st Century, Iowa State University Press, Ohio, USA, 2002.
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