摘要
2004年以来,中国农业保险发展迅速,目前已覆盖全国各地。但仍然存在农业保险制度尚不完善、缺乏稳定持续的政策支持、当事人的权利义务关系缺乏规范、农村基层机构参与农业保险存在法律障碍及政府部门职责分工不明等问题。以日本为例,介绍日本农业保险制度,指出其存在强制性与任意性加入相结合、政府负担部分保险费及共济、保险、再保险重层保险体系等特征,从共济加入方式、损失评估规定和共济金支付方式3个方面分析了农业保险运行机制,发现其具有减轻农民损失、稳定农业经营,提高凝聚力、促进协同发展,提高防灾、抗灾能力等社会化服务功能,为中国目前面临的农业保险业建设提出了相应的建议。
Agricultural insurance in China has developed rapidly since 2004, and now covered the whole country. But there were many problems, such as imperfect agricultural insurance system, lack of stable and sustained policy support, short of standardized laws for defining parties' rights and obligations, legal obstacles when rural grassroots organizations involved in agricultural insurance and unclear responsibilities of government departments, and so on. This paper introduced Japan's agricultural insurance system, pointed out its three characteristics, such as mandatory combined with arbitrary join, government to pay part of the premium, multilayered security system with freemasonry insurance, reinsurance; analyzed its operation system from three aspects of way to join freemasonry, damage assessment regulations, payment methods of freemasonry and found out its socialization service functions, such as mitigating the loss of farmers, stabling agricultural management, improving cohesion, promoting coordinated development, improving the abilities of disaster prevention and resilience, finally some advices for the development of China's agricultural insurance were put forward.
出处
《农业展望》
2013年第7期35-39,共5页
Agricultural Outlook
关键词
农业保险
运行机制
社会化服务
agricultural insurance
operation system
socialization service