【作者】 李峰；

【导师】 樊治平；

【作者基本信息】 东北大学 ， 工商管理， 2013， 硕士

【摘要】 PL保险公司自1983年恢复开办农业保险以来,经历了恢复试办、市场运作、探索尝试和高速发展四个阶段,虽然在发挥保险的基本职能和派生职能,提高全民的保险认知程度,促进信贷对农业的支持,放大政府财政资金的投入效应等方面发挥的一定的作用,但仍存在一些不容忽视的问题,例如缺乏财政配套资金的约束机制、承保机构管理水平不高、农户的道德风险和逆选择严重、缺少有效的巨灾风险分散机制等。导致目前PL保险公司农业保险发展与农村经济发展、农民需求不相适应,公司经营政策性农业保险的经营模式使农业保险出现“供需双冷”的现象,导致农业保险的“市场失灵”及其低效率。针对上述PL保险公司农业保险发展中存在的问题,本文立足于农业保险的基本理论,通过对国内外农业保险的经营模式和经验借鉴,在分析了PL保险公司农业保险发展历程和现状的基础上,通过采取随机抽样问卷调查和农户随机采访的方法,对辽宁省13个市(除大连)农户农业风险与防范情况进行问卷调查,旨在通过对发放收回的650份问卷数据进行分析整理,通过供需的角度查找出PL保险公司农业保险中存在问题以及农业保险发展的主要制约因素,提出了促进PL保险公司农业保险发展的对策建议,即进一步清晰PL保险公司农业保险发展目标与模式,完善公司农业保险承保和理赔业务流程以及适合于该业务流程的组织机构及资金保障,进一步健全农业保险相关的法律法规和建立农业巨灾损失基金和农业保险再保险机制,从而对PL保险公司农业保险健康快速发展具有重要的现实意义。更多还原

【Abstract】 Recovery since the start-up of the agricultural insurance by the PL insurance company since1983, experienced a recovery pilot, the operation of the market, exploring and rapid development of the four stages, although the play the insurance basic functions and derived functions to improve insurance awareness level of the whole people, to promote credit support for agriculture, to enlarge the government funds put into effect to play a certain role, but there are still some problems can’t be ignored, such as the lack of financial constraints of the matching funds mechanism, the underwriting agency management level is not high, the moral hazard of farmers and severe adverse selection, the lack of an effective catastrophe risk diversification mechanism. Led to the current agricultural insurance development and economic development in rural areas PL insurance company can’t meet the needs of farmers, the business model of the company policy agricultural insurance "supply and demand cold "phenomenon, the agricultural insurance market failure" low efficiency.Problems exist in the above, PL insurance company in the development of agricultural insurance based on the basic theory of agricultural insurance, the business model of domestic and international agricultural insurance and Experience in analysis of the PL insurance companies the basis of the history and current status of the development of agricultural insurance, specifically to take a random sample survey and farmers method of random interviews the farmers agricultural risks and Prevention conducted a questionnaire survey of13cities in Liaoning Province (except to Dalian City), designed by the650questionnaires data analysis to organize, find out through the perspective of supply and demand problems in the PL insurance company in the development of agricultural insurance constraints. Promote the development of agricultural insurance company PL suggestions that further clear PL insurance company the mode of development of agricultural insurance, improve the company of agricultural insurance underwriting and claims process improvement program as well as for the organization of the business processes and financial security, to further improve agricultural insurance-related laws and regulations and the establishment of agricultural catastrophic loss fund and agricultural insurance, reinsurance mechanism of PL insurance companies healthy and rapid development of agricultural insurance has important practical significance.更多还原