政策性农业保险论文：我国农业保险财政补贴问题研究

1、政策性农业保险论文：我国农业保险财政补贴问题研究【中文摘要】改革开放三十多年来,我国农业有了很大发展。但由于农业是弱质性产业,客观存在着多方面的风险,尤其是自然风险,如旱灾、涝灾、病虫灾害、火灾、冰雹、台风等。农业保险是世界贸易组织允许各国支持农业的“绿箱”政策之一,对提高农民收入和有效分散农业灾害带来的风险来说,是一项重要的经济赔偿措施。以国外的农业保险发展经验来看,农业保险作为政策性保险,离不开政府的行政干预和财政补贴,一个国家农业保险的发展水平与其经济发展有着必然的联系。目前,全世界开办农业保险的国家只占拥有保险业国家的30%,我国自1982年恢复试办农业保险以来,发展速度缓慢,经历了兴

2、衰和起落,并且农业保险一直由商业性保险公司经营,没有得到政府的大力扶持,这有悖于其“政策性”。但值得高兴的是,2004年我国政府明确提出了建立政策性农业保险的构想,并且以税收优惠、保费补贴等措施给予农业保险一定的财政补贴,这也体现了我国对农业保险的重视程度,同时,将农业保险做为一项利国利民、全面推进社会主义新农村建设的事业来发展。高兴之余我们也应该看到我国政策性农业保险正处于起步阶段,还存在诸多亟待解决的问题:国家对农业保险的财政补贴太少;各界对农业保险补贴的具体思路尚未形成;没有出台专业的农业保险法律法规。因此,本研究主要借鉴国外财政补贴农业保险的成功与不足,提出我国建立财政补贴农业保险体系

3、的具体思路。主要有以下几部分内容:第一章,导论部分。主要介绍了国内外学者对农业保险的研究现状,界定农业保险概念并运用经济学理论对财政补贴农业保险进行分析,得出农业保险作为政策性保险的重要性。第二章,对我国农业保险现状、存在问题以及问题原因进行分析。首先,我国农业保险发展的阶段性;其次,我国农业保险主要存在的问题是:农业保险缺乏政府的财政支持,保险公司保费高、农民收入低,造成了我国农业保险农民投保困难,保险公司无力经营的尴尬局面,由此也提出建立政策性农业保险的必要性和紧迫性;再次,我国农业保险发展中的财政补贴问题原因,即农民对农业保险有效需求不足、政府对农业保险的财政支持力度不够、保险公司农业保

4、险供给能力有限等问题。第三章,财政补贴农业保险的国际比较。通过介绍美国、加拿大、法国、日本、菲律宾等国家农业保险的经营模式及政府支持政策,得出结论:我国应该尽快制定一部适合我国农业保险的农业保险法;设计出适合我国农业保险的经营框架;构建我国农业保险的财政补贴制度。第四章,我国几个试点地区农业保险补贴模式。对我国几个地区财政补贴农业保险实践探讨,并分析了它们各自的成功和不足之处,得出结论。第五章,我国农业保险财政补贴具体思路。提出完善我国财政补贴农业保险的制度安排及配套政策。【英文摘要】Chinas agriculture has been rapid growth since 30 years

5、 Reform and Opening-up. There are many objective risks like drought, floods, plant diseases and pests, fire, hail and typhoons because of the agricultures weakness. Agricultural insurance is the one of the policy of“Green Box”that supported by the county of the world, which allowed by the WTO, and i

6、t is an important measure of economic compensation that increasing the peasants income and dispersing the risk of agriculture disaster effectively.To compared the development of agriculture insurance of other country to chinas experience, Agricultural insurance as the insurance policy that can not b

7、e separated from the financial subsidy and Government intervention, one countrys development of agriculture insurance to rely on the level of economic development. There are 30% of the countries in the world who has offered the agriculture insurance at present. Since 1982, china restored for agricul

8、ture insurance and our country was in a slowly-development for long time, and the agriculture insurance has been operated by commercial company out of the support of the government, this is contrary its“political”. However, the good news is that the government established an ideal of agriculture ins

9、urance policy clearly in 2004, at the same time ,the government carry out the agricultural insurance as to a cause to promote by giving the measures of financial subsides on tax incentives and premium subsides, which benefit the country and build a new socialist countryside comprehensively .But, We

10、should know that the agriculture insurance policy in our country is in its initial stage ,there are some problems to be solved like: Our country has less financial subsidies on agriculture insurance; Subsidies for agricultural insurance did not form the specific ideas yet; There is no professional l

11、aws and regulations for agriculture insurance until now. Therefore, this study mainly references the successes and shortages on the financial subsidies for agriculture insurance from foreign counties, and then, Propose the specific comments on establishment of the agricultural insurance system who s

12、upported by financial subsidy in our country. The main content is following:Part one introduce the researches of agriculture insurance and define the concept of agriculture insurance , concluded that the importance of agriculture insurance is policy insurance, which using economic analysis to the fi

13、nancial subsidy of agriculture insurance.Part two analyze the status and problems and the cause of the problems of the agriculture insurance in our country. In the first place , introducing the stages of the development of agriculture in our country; Secondly, the main problems of agriculture insura

14、nce in our country is: The reason for embarrassing situation of agriculture on farmers insurance weakness and the insurance companys effortless operation is that the agriculture insurance is lack of financial support of government and insurance companys high insurance premiums and famers low incomes

15、, thus, it is necessary and urgent to establish the political agriculture insurance. Last, the reason of the problems of financial subsides for agriculture in our country is that farmers lack of effective demand and governments financial support for agriculture is not enough ,the limited supply abil

16、ities of agriculture companies and so on.Part three, To compare the financial subsidy for agriculture insurance, and the management and policy of American with other countries such as Canada and Japan and Philippines ,which concluded that our country should be set up an“Agricultural Insurance Act”fo

17、r agriculture insurance who fits for China; Design a suitable framework for the operation of agricultural insurance in China; Construction of the financial subsidiey system of agricultural insurance.Part four focus on the practice of financial subsidiy for agriculture insurance in several regions of

18、 China and analyze their successes and shortages.Part five gives some ideals to complete the Institutional arrangements and supporting policies for the agriculture insurance in china.【关键词】政策性农业保险 财政补贴 税收优惠【备注】索购全文在线加好友：.3.8848 同时提供论文写作一对一指导和论文发表委托服务【英文关键词】Political agriculture insurance Financial Subsidy Tax incentives【目录】我国农业保险财政补贴问题研究摘要4-6英文摘要6-7目录8-9一、导论9-14（一） 选题背景及意义9-10（二） 农业保险的概念及其特征10-11（三） 国内外研究现状11-12（四） 研究思路及方法12-14二、我国农业保险的阶段性与财政补贴问题及成因分析14-21（一） 我国农业保险发展的阶段性14-16（二） 我国农业保险的财政补贴问题16-18（三） 我国农业保险财政补贴存在问题的原因18-21三、国外农业保险财政补贴模式比