吉林省农业保险发展问题的研究.pdf

摘要 吉林省是农业大省，同时也是农业灾害多发的省份。农业和农民对于农业保 险的需求也在相应的不断提高，而防范和化解农业生产经营风险、稳定农业生产 基础又是做好“三农”工作的基础，农业保险业的发展在一定程度上滞后于需求的 发展。通过国内外学者对农业保险发展的理论研究并综合我国农业保险的实际情 况，发现我国农业保险的滞后主要是缺乏完善的法律法规、缺少则政补贴政策的 直接扶持、缺乏完备的农业再保险体系、税收减免政策的力度不够等诸多原因导 致商业保险公司在代办或经营农业保险时缺乏积极性，导致了我国农业保险业处 于两难的境地，本文在分析和借鉴其他国家农业保险发展的历程和经验的基础上 对比国内重点发展农业保险业务的安华公司的发展实际，并指出了国家在农业保 险相关政策上缺乏完善的法律法规、缺乏完备的农业再保险体系和缺少政补贴政 策的直接扶持使农民受自身经济状况地约束，无力投保高保费的农业保险，而保 险公司又受高赔付率的影响，无法承保地保险费的农业保险，导致了我国农业保 险业发展滞后的主要症结，提出了立法先行、引进竞争机制、建立农业保险基金 长效补充机制、产业投资、建立开放式基金等对策建议。 关键词：农业保险制度；运营模式；政府补贴；长效补充机制； ABSTRACT Jilin province is agricultural big province，but also the agricultural disaster provinces．The agriculture and the farmers for agricultural insurance demand in the corresponding improvement，and guard against and dissolve agricultural risk，stable agricultural production foundation is good”3 farming”working foundation， agricultural insurance development to a certain extent lag behind the needs of the development．By domestic and foreign scholars on the development of agricultural insurance and the theory research and the actual situation of China’S agricultural insurance，agricultural insurance in China lag found were mainly the lack of perfect laws and regulations，the lack of fiscal subsidy policy of direct support，lack of comprehensive agricultural reinsurance system，the policy of tax reduction or exemption of the strength is insufficient wait for a lot of reasons lead to the commercial insurance company in operating agricultural insurance agency or lack of enthusiasm，resulting in China’S agricultural insurance is in a dilemma，Based on the analysis and reference of other country agriculture insurance development course and experience on the basis of comparing the domestic focus on the development of agricultural insurance business Annwa company actual development，and pointed out that countries in the agricultural insurance policy the lack of perfect laws and regulations，the lack of a comprehensive agricultural reinsurance system and the lack of g