【作者】 郭鑫；

【导师】 张启文； 姜宇；

【作者基本信息】 东北农业大学 ， 农业硕士（专业学位）， 2022， 硕士

【摘要】 近年来,我国整体综合民族力量持续提升,对我国的全球深远影响举世关注。尽管农业国民经济水平已经取得了高速进展,但农村经济收入依然占主导地位,虽然我国还不能脱离农业富国的称号,但农村经济仍是我国发展最关键的基础性支柱产业,农村的繁荣发展将是我国经济发展的重要基石。但是,在我国农产品发展过程中,无疑会遭受各类自然天气原因的影响,自然灾害事件的出现将给农业生产和农民经营收益造成巨大经济损失,将严重危害我国经济发展和社会稳定。所以,必须要大力发展现代农产品保险,以提高我国农产品的抗灾能力,以维护我国农产品安全和粮食安全,以扩大农民切身利益,以健全我国现代农产品的支持保障体系。政策性种植业保险制度,是一种重要的政府支农惠农政策和缓解"三农问题"的重要举措,一方面是由农民和保险公司双方共同签定的保险合同,使得农民将生产过程中的风险全部转移至保险公司身上,从而有效减少了农户种植业生产的风险,提高了农村农业产出结构调整水平和促进了农村发展;而且,当地政府还采取了财政补贴、税费优惠等政策加以指导与帮助,从而减少了地方保险公司的经营风险。但由于目前宁安市粮食种植业发展保障的密度和深度都较少,对国家政策性粮食种植业保障有效需求也明显不够,农户的投保愿望并不积极、风险意识也不高、粮食种植业保险覆盖面也有限。所以,在目前农村农业保险需求严重不足的情形下,本文基于农村城镇居民对种植业保险需求意愿以及影响因素的实证调研,对于宁安市进一步发展和健全农村政策性种植业保险、进一步提升城市农村保险覆盖面、有着重大的现实意义。本文通过研究了国内外大量与政策性种植业保险经营相关的文献资料,深入地对目前宁安市政策性种植业保险的经营状况展开了研究和剖析,并以此为基点,通过实际研究重点剖析了影响农民对购买政策性种植业保险需求的意愿以及重要影响因素,并针对目前宁安市政策性种植业保险运营的主要缺陷,分别为政府部门与保险业提出了,可供政府部门和保险业借鉴的完善政策和改善意见,为目前宁安市以及其他地方政府的政策性种植业保险经营状况改善,提出了解决措施与参考。更多还原

【Abstract】 In recent years,Chinese overall comprehensive national strength continues to improve,the far-reaching impact on Chinese global attention.Although the level of agricultural national economy has made rapid progress,rural economic income is still dominant.Although China cannot break away from the title of agricultural rich country,rural economy is still the most key basic pillar industry of Chinese development,and the prosperous development of rural areas will be an important cornerstone of Chinese economic development.However,in the process of the development of agricultural products in China,there is no doubt that it will be affected by various natural weather reasons.The occurrence of natural disasters will cause huge economic losses to agricultural production and farmers’ operating income,and will seriously harm Chinese economic development and social stability.Therefore,it is necessary to vigorously develop modern agricultural products insurance,in order to improve the disaster resistance of agricultural products in China,to maintain the safety of agricultural products and food security in China,to expand the vital interests of farmers,and to improve the support and security system of modern agricultural products in China.Policy system of crop insurance,is a kind of important government support for policies and alleviate the important measures for "three rural issues",on the one hand is signed jointly by the farmers and the insurance of insurance contract,makes the farmers to transfer all the risks in the process of production to the insurance company,so as to effectively reduce the risk of farmers planting,improve the rural agricultural production structure adjustment Level and promote rural development;In addition,the local government also adopted financial subsidies,tax preferences and other policies to guide and help,so as to reduce the operating risks of local insurance companies.However,due to the low density and depth of development guarantee for grain planting industry in Ning ’an city,the effective demand for national policy guarantee for grain planting industry is obviously not enough,farmers’ desire for insurance is not active,their risk awareness is not high,and the coverage of grain planting insurance is limited.So,in the shortage of current rural agricultural insurance demand situation,this article is based on the rural urban residents to subsidize insurance demand intention and influence factors of the empirical research,to further develop and improve the rural policy Ning ’an crop insurance,further enhance urban rural insurance coverage,has great realistic significance.Is studied in this paper,domestic and foreign policy crop insurance business related literature,in-depth to the current management situation of crop insurance in Ning ’an carried out research and analysis,and as a basis,through practical research mainly analyzes the effect on farmers willingness to buy crop insurance in demand as well as the important influence factors,and aiming at Ning ’an policy The main defects of planting insurance operation are proposed for government departments and insurance industry respectively,which can be used for reference by government departments and insurance industry,and solutions and references are put forward for the improvement of the current policy-based planting insurance operation of Ning ’an city and other local governments.更多还原