农业保险论文

摘要

农业稳，天下安。做好“三农”工作，对稳定经济社会发展具有重要意义。农业保险是市场经济国家扶持农业发展的通行做法，开展农业保险，可以减少自然灾害对农业生产的影响，稳定农民收入，促进农业和农村经济的发展。农业保险是解决“三农”问题的重要举措之一。党中央国务院高度重视农业保险工作，十六大以来，连续12年的中央“1号文件”都对发展农业保险提出明确要求。2007年，中央财政开始对6省区5种主要粮棉油作物给予农业保险保费补贴政策，自此，农业保险走上了快速发展的道路。本论文以吉林省为例进行论证。吉林省作为全国的农业大省，自然灾害种类多、发生频繁，并且范围大，给全省的经济带来了很大的损失。在吉林省农业现代化和农村金融改革试点的大背景下，对吉林省农业保险经营模式进行研究，探索与重点农业大省相适应的农业保险的发展模式，对吉林省这样一个粮食生产在全国有着重要意义的农业大省来说，有着重要的理论价值和实践意义。

本文内容共分为六个章节，首先阐述全文的理论基础部分即对农业保险的基本内容进行概述，包括国内外农业保险研究现状、我国农业保险的概念、特点、性质、功能及相关经济学理论分析。第三章详细介绍吉林省经济、农业生产及自然风险情况，深入分析吉林省农业保险发展的现状并详细介绍安华公司在吉林省农业保险试点中的发展情况，在现状分析的基础上指出吉林省农险发展中存在的问题。第四章通过主成分分析法对制约吉林省农业保险发展的主要因素进行原因分析。第五章着重介绍了国内外对农险经营模式的实践探索,从中总结归纳出对吉林省的经验借鉴。在以上分析的基础上，建议吉林省农险经营要进一步强化地方政府引导作用,实行经办主体准入制度，并提出相应的配套措施，促进吉林省农业保险的发展。

关键字：吉林省；农业保险；经营模式

Abstract

Stable Agriculture makes the world secure. Issues concerning agriculture, countryside and farmers (Three Agricultures) are very important for the stability of the economic society development. Agricultural insurance is a common practice to support agricultural development in those countries oriented in market economy. Carrying out agricultural insurance can reduce the impact of natural disasters on agricultural production, stabilize farmer’s income and promote the development of agriculture and rural economy. Agricultural insurance is one of the most important measures to solve the problem of "Three Agricultures". The CPC Central Committee and the State Council attach great importance to agricultural insurance work. Document No. 1 of the Central Government has put forward accurate requirements in promoting agricultural insurance development for 12 consecutive years since the 16th National Congress of the CPC. In 2007, the central government began to implement subsidy insurance policy to 5 major grain crops in 6 provinces. Agricultural insurance has speeded up since then. Jilin Province is the sample in this article. Jilin Province is a major agricultural province in China. Many kinds of natural disasters occur frequently in large range every year. These unexpected occasions brought great loss to the provincial economy. With the precondition of Jilin Province agricultural modernization and the reform pilots in rural financial, Jilin Province agricultural insurance operation pattern research is approaching. The study is important in exploring the suitable pattern, both in theoretical value and practical application.

The paper is divided into six chapters. First, it explains the basic theory of the thesis. It summarizes the basic contents of agricultural insurance. It includes the present situation of the domestic and foreign agricultural insurance researches, the concept of agricultural insurance in our country, characteristics, natures, functions and the analysis of the relevant economic theories. Chapter three introduces economy, agricultural production and natural risks of Jilin Province in detail. It analyzes the status of agricultural insurance development in Jilin Province in-depth. It illustrates the Anhua Company in Jilin Province agricultural insurance pilot development. And then it points out the existing problems. The fourth chapter analyzes the main factors which restrict the development of agricultural insurance in Jilin province by using the way of principal component analysis. The fifth chapter focuses on the operating exploration in domestic and foreign practices of agricultural insurance. It summarizes the experience of Jilin province. With these provided elements, it is recommended to strengthen local government's leading role in the implementation of handling subject access system in Jilin province agricultural insurance business. Corresponding measures are put forward and the development of agricultural insurance in Jilin province will be surely promoted.

Keywords: Jilin p rovince；agricultural insurance；operation mode