我国政策性渔业保险浅析.pdfVIP

广东农业科学 年第 期 2010 2 309 我国政策性渔业保险浅析 金麟根， 杨云聪 (上海海洋大学经济管理学院，上海 201306) 摘 要：渔业相对其它产业风险大、赔付率高，以盈利为目的商业保险公司不愿涉足渔业保险市场，从而导致我国渔业保 险市场的萎缩。 而政策性渔业保险具有非盈利性，以渔民利益为中心，在国家的支持下能为渔民的生产和经营提供良好的风 险保障，成为化解渔业保险现存问题的有效措施。 目前阶段，尽快构建符合我国国情、渔情的政策性渔业保险制度是化解现 存问题的最佳选择。 关键词：政策性渔业保险； 渔业相互保险； 渔业互保协会 中图分类号： 文献标识码： 文章编号： （ ） D922.69 A 1004-874X 2010 02-0309-03 A brief analysis of policy fishery insurance in China JIN Lin-gen ， YANG Yun-cong (College of Economics and Management, Shanghai Ocean University, Shanghai 201306, China) Abstract:Commercial insurance companies that took profit as their goals would not like entering fishery insurance market because of fisherys high risk and high loss ratio contrast with other industries, so fishery insurance market in our country became more and more small. However, the center of the policy fishery insurance was the profit of fisherman but not business profit, with the support of the governments, it could protect fishermans production and management from risk, it was an effective way to resolve the problems existing in fishery insurance. At present, constructing policy fishery insurance system which suited for our country as soon as possible was the best choice to resolve existing problems. ： Key words policy fishery insurance; fishery mutual insurance; Fishery Mutual Insurance Association 渔业保险是由保险机构为渔业生产者在水产养殖 船船东雇主责任险和大型渔船的渔船保险， 业务量占 及捕捞作业过程中， 对遭受自然灾害及意外事故所造 全国渔业保险