【作者】 张艳；

【导师】 丁少群；

【作者基本信息】 西南财经大学 ， 保险学， 2013， 硕士

【摘要】 农业是我国国民经济的基础性产业,同时也是弱质产业,农业的健康发展需要农业保险为其保驾护航,发展农业保险是政府扶持和保护农业发展的一项重要措施。我国农业保险的消费者是广大的参保农民,参保农民是农业保险赖以生存和发展的根基。我国农民虽然整体文化水平不高,但简单、朴实,做好参保农民的权益保护工作,是保险监管机构的天职,也是衡量监管工作成效的重要标准。在当前发展环境和我国农业保险快速发展时期,保护好参保农民利益,不仅有助于促进农业保险科学规范经营、推动我国农业保险事业的顺利开展,而且对保障国家粮食生产安全具有十分重要的战略意义。本文从农业保险发展的特殊目的出发,重点分析了农业保险制度运行中承保、理赔、巨灾损失分摊、保费补贴等环节对参保农民利益的损害及监管的必要性,并结合当前实际分析了影响农业保险监管和参保农民权益保护的因素；在此基础上,论文借鉴国外农业保险监管及参保农民权益保护的经验,提出了加强我国农业保险监管和参保农民权益保护的对策建议。本文共分为五部分,各部分的主要内容及观点如下：第一部分：对本文的研究背景与研究意义进行论述,并对国内外农业保险监管及参保农民权益方面的相关研究文献做了简要综述。第二部分：我国农业保险发展的特殊性及加强监管的必要性研究。首先,对我国政策性农业保险发展的特殊目的及对监管的特别要求进行界定,提出我国政策性农业保险发展的两个特殊目的：促进农业发展,保障粮食安全；减少农民收入波动,增进农民福利；其次,对我国农业保险大规模发展面临的新问题及对参保农民权益的损害进行了详细重点分析；最后,对我国农业保险监管的目标和现实意义进行了简要概述。论文分析认为：我国农业保险监管对保护参保农民的保险利益、维护农业保险市场的公平公正、监督国家财政补贴资金的安全使用都具有非常重要的现实意义。第三部分：影响农业保险监管和参保农民权益保护的因素分析。本部分通过对影响我国农业保险监管和参保农民权益保护的因素进行分析,得出影响因素主要有：规范农业保险发展的法律法规体系不健全、农业保险经营组织架构及保险服务体系跟不上,其中包括机构设置不足、险种不足、条款及费率制定粗放、服务手段落后等问题,以及现行农业保险多头监管、协调机制未建立等因素。第四部分：国外农业保险监管及参保农民权益保护的经验研究。本部分通过对英美法系代表国家和大陆法系代表国家的农业保险监管制度进行分析概述,总结出国外农业保险监管制度对我国的几点启示。论文分析认为：农业保险的监管需要相应的法律法规支持,农业保险的监管方式应当符合本国国情,农业保险的监管机构、监管对象和内容应当明确。第五部分：加强农险监管和保护参保农民权益的对策建议研究。本部分针对前面对影响我国农业保险监管和参保农民权益保护因素的分析及国外对农业保险监管和参保农民权益保护方面的经验启示,从五个方面提出对策建议。论文分析认为：加强我国农业保险监管和保护参保农民权益应着重完善农业保险法规及制度建设,加大投入建立健全农业保险服务体系,建立农业保险的有效监管体系,引导社会力量参与监管,构建农业保险社会监督机制,并积极发挥保险行业自律组织的约束机制,从根本上发挥农业保险的监管作用,切实保障参保农民的合法权益。本文的主要特色和创新之处在于：①将农业保险监管作为一个专门问题,并基于参保农民权益保护视角,研究如何通过完善农业保险监管体系来保护农民的利益,切入视角较为独特。②论文提出了建立我国农业保险监管制度的框架和具体建议,包括加强法规及制度建设、充分发挥社会力量、行业自律组织的监督作用等,对构建我国农业保险消费者权益保护机制和提升农业保险的监管水平具有重要意义。更多还原

【Abstract】 Agriculture is the basic industry of China’s national economy, but also a fragile industry. It requires the development of agricultural insurance to protect agricultural productions. Development of agricultural insurance is an important measure of government support and protection of agricultural. Agricultural insurance consumers in China is a vast number of farmers, they are the foundation of the survival and development of agricultural insurance. Although their overall educational level is not high, but simple, plain, good protection of the interests of the insured farmers is not only the bounden duty of the insurance regulators, but also an important criterion to measure effectiveness of supervision. In the current environment for the development and the rapid development of China’s agricultural insurance period, protecting the insured farmers’interests, not only helps to promote agricultural insurance standardize their operations, to promote the smooth development of China’s agricultural insurance undertakings, but also helps to protect the safety of national food production.This paper starts from the special purpose of the development of agricultural insurance, concentrating on agricultural insurance system in underwriting, claims, catastrophe loss-sharing. premium subsidies and other aspects of the damage to the interests of the insured farmers and the need for supervision, then combining with the actual analysis of the factors affecting the agriculture insurance regulators and insurance farmers’ rights and interests protection. On this basis, the paper draws on foreign agricultural insurance regulators and insurance farmers’ rights and interests protection of experience and puts forward suggestions to strengthen China’s agricultural insurance regulators and the insured farmers’ rights and interests protection.This paper consists of five parts. The main content and view of each part is as follows:Part one:To discuss the research background and significance of this paper and to summarize briefly those related literatures on domestic and overseas agricultural insurance supervision and the insured farmers’ rights and interests protection.Part two:Particularity of the development of China’s agricultural insurance and the necessity of supervision. Firstly, definition of China’s policy-oriented agricultural insurance development of special purpose and special requirements, proposes two special purposes:to promote the development of agriculture and to ensure food security; to reduce fluctuations in farmers ’income and to improve farmers’ welfare. Secondly, detailed focus analysis on the new problems facing large-scale development of China’s agricultural insurance and damages to insured farmers’ rights and interests. Finally, this paper comes to a brief overview of the objectives and practical significance of China’s agricultural insurance supervision. By the above analysis, the paper reaches a conclusion that China’s agricultural insurance supervision protects the insured farmers’ rights and interests and supervises safe use of the funds of the state financial subsidies, maintains fair and equitable agricultural insurance market.Part three:Analysis of the factors affecting agricultural insurance supervision and the insured farmers’ rights and interests protection. This section through the analysis of factors affecting China’s agricultural insurance regulators and insured farmers protection, draws several influence factors below:laws and regulations that regulate the development of the agricultural insurance system is not perfect, Organizational structure and service system of agricultural insurance operations can not keep up, as well as the existing agricultural insurance bull management and coordination mechanism is not established.Part four:The studies about the foreign agricultural insurance supervision and farmers’rights and interests. During this part, the author analysis common law and civil law systems of agricultural insurance supervision system, summaries up the value to China.Part five:Suggestions to strengthen the supervision of the agricultural insurance and to protect the insured farmers. By analysis, the author proposes five suggestions, including improving the agricultural insurance regulations and institutional construction, establishing the agricultural insurance service system, improving agricultural insurance supervision system, building mechanism of social supervision, playing a restraint mechanism of the self-regulatory organization of the insurance industry.The unique features and innovations of this paper include:1) The perspective of this paper is special. The author chooses agricultural insurance supervision as a specialized subject. Based on insured protection perspective, this paper makes specific analysis on how to protect the insured farmers through improving the agricultural insurance supervision system.2) The paper presents a framework and specific recommendations for the establishment of China’s agricultural insurance supervision system. Including strengthening regulations and institution, playing the role of social forces and industry self-regulatory organization.更多还原