毕业论文----我国农业保险存在问题及发展对策研究.docVIP

本科生毕业论文 我国农业保险存在问题及发展对策研究 姓　　名 　　号 专　　业 指导教师 年月日关键词： Abstract Agricultural insurance development to Chinese farmers and agricultural economy and national economic development has great influence. Agricultural insurance against agricultural economic risk, in economic crisis on agriculture for farmers, provide certain safeguard etc which has played a positive role. However, Chinas agricultural insurance because farmers earn less and lack of support, financial and policy laws and regulations are not perfect, no related department to management and agricultural insurance limited conditions such as excessive factors have led to agricultural insurance appeared approval is not high, the popularity and gets enough is not clear. In order to better the development of Chinas agricultural insurance, observed foreign agricultural insurance development experience and measures, and summarizes the state develops agricultural insurance experience is government appropriate intervention and support, perfect related laws and regulations, a business operator providing subsidies for insurance and reinsurance, etc. Foreign experience and the situation of our country, and I think the combination of agricultural insurance development in our country to speeds up the agricultural insurance legislation, from increasing government investment and intervention, to set up a special agricultural insurance management department and share-holding agricultural insurance companies, the establishment agriculture insurance compensation fund, establish pilot areas aspects. Key Words: agricultural insurance；Foreign experience；Insurance legislation ； Policy support 引　言 2 一、发展我国农业保险的意义 3 （一）我国农业保险发展的背景 3 （二）农业保险的作用和意义 4 1.农业保险对农民个人的影响 4 2.农业保险状况对农村经济的影响 4 3.发展农业保险对整个国民经济的影响 4 二、我国农业保险的现状 4 （一）我国农业保险的现状 4 （二）我国农业保险所存在问题的原因分析 5 1.缺乏必要的财力支持和立法保障 5 2.赔付额度较小、农业保险赔付不到位 5 3.农业保险费高昂与农民收入低下的矛盾 5 4.农业风险程度及损失发生程度的测量计算难度较大 6 5.没有专门的相关部门来管理 6 6.农业政策性保险限制条件多且保险补贴品种少造成了政策障碍 6 三、国外农业