發(fā)布時(shí)間：2018-05-31 23:35

  本文選題：農(nóng)業(yè)保險(xiǎn) + 參保農(nóng)民�。� 參考：《西南財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：農(nóng)業(yè)是我國(guó)國(guó)民經(jīng)濟(jì)的基礎(chǔ)性產(chǎn)業(yè),同時(shí)也是弱質(zhì)產(chǎn)業(yè),農(nóng)業(yè)的健康發(fā)展需要農(nóng)業(yè)保險(xiǎn)為其保駕護(hù)航,發(fā)展農(nóng)業(yè)保險(xiǎn)是政府扶持和保護(hù)農(nóng)業(yè)發(fā)展的一項(xiàng)重要措施。我國(guó)農(nóng)業(yè)保險(xiǎn)的消費(fèi)者是廣大的參保農(nóng)民,參保農(nóng)民是農(nóng)業(yè)保險(xiǎn)賴以生存和發(fā)展的根基。我國(guó)農(nóng)民雖然整體文化水平不高,但簡(jiǎn)單、樸實(shí),做好參保農(nóng)民的權(quán)益保護(hù)工作,是保險(xiǎn)監(jiān)管機(jī)構(gòu)的天職,也是衡量監(jiān)管工作成效的重要標(biāo)準(zhǔn)。在當(dāng)前發(fā)展環(huán)境和我國(guó)農(nóng)業(yè)保險(xiǎn)快速發(fā)展時(shí)期,保護(hù)好參保農(nóng)民利益,不僅有助于促進(jìn)農(nóng)業(yè)保險(xiǎn)科學(xué)規(guī)范經(jīng)營(yíng)、推動(dòng)我國(guó)農(nóng)業(yè)保險(xiǎn)事業(yè)的順利開(kāi)展,而且對(duì)保障國(guó)家糧食生產(chǎn)安全具有十分重要的戰(zhàn)略意義。 本文從農(nóng)業(yè)保險(xiǎn)發(fā)展的特殊目的出發(fā),重點(diǎn)分析了農(nóng)業(yè)保險(xiǎn)制度運(yùn)行中承保、理賠、巨災(zāi)損失分?jǐn)�、保費(fèi)補(bǔ)貼等環(huán)節(jié)對(duì)參保農(nóng)民利益的損害及監(jiān)管的必要性,并結(jié)合當(dāng)前實(shí)際分析了影響農(nóng)業(yè)保險(xiǎn)監(jiān)管和參保農(nóng)民權(quán)益保護(hù)的因素；在此基礎(chǔ)上,論文借鑒國(guó)外農(nóng)業(yè)保險(xiǎn)監(jiān)管及參保農(nóng)民權(quán)益保護(hù)的經(jīng)驗(yàn),提出了加強(qiáng)我國(guó)農(nóng)業(yè)保險(xiǎn)監(jiān)管和參保農(nóng)民權(quán)益保護(hù)的對(duì)策建議。 本文共分為五部分,各部分的主要內(nèi)容及觀點(diǎn)如下： 第一部分：對(duì)本文的研究背景與研究意義進(jìn)行論述,并對(duì)國(guó)內(nèi)外農(nóng)業(yè)保險(xiǎn)監(jiān)管及參保農(nóng)民權(quán)益方面的相關(guān)研究文獻(xiàn)做了簡(jiǎn)要綜述。 第二部分：我國(guó)農(nóng)業(yè)保險(xiǎn)發(fā)展的特殊性及加強(qiáng)監(jiān)管的必要性研究。首先,對(duì)我國(guó)政策性農(nóng)業(yè)保險(xiǎn)發(fā)展的特殊目的及對(duì)監(jiān)管的特別要求進(jìn)行界定,提出我國(guó)政策性農(nóng)業(yè)保險(xiǎn)發(fā)展的兩個(gè)特殊目的：促進(jìn)農(nóng)業(yè)發(fā)展,保障糧食安全；減少農(nóng)民收入波動(dòng),增進(jìn)農(nóng)民福利；其次,對(duì)我國(guó)農(nóng)業(yè)保險(xiǎn)大規(guī)模發(fā)展面臨的新問(wèn)題及對(duì)參保農(nóng)民權(quán)益的損害進(jìn)行了詳細(xì)重點(diǎn)分析；最后,對(duì)我國(guó)農(nóng)業(yè)保險(xiǎn)監(jiān)管的目標(biāo)和現(xiàn)實(shí)意義進(jìn)行了簡(jiǎn)要概述。論文分析認(rèn)為：我國(guó)農(nóng)業(yè)保險(xiǎn)監(jiān)管對(duì)保護(hù)參保農(nóng)民的保險(xiǎn)利益、維護(hù)農(nóng)業(yè)保險(xiǎn)市場(chǎng)的公平公正、監(jiān)督國(guó)家財(cái)政補(bǔ)貼資金的安全使用都具有非常重要的現(xiàn)實(shí)意義。 第三部分：影響農(nóng)業(yè)保險(xiǎn)監(jiān)管和參保農(nóng)民權(quán)益保護(hù)的因素分析。本部分通過(guò)對(duì)影響我國(guó)農(nóng)業(yè)保險(xiǎn)監(jiān)管和參保農(nóng)民權(quán)益保護(hù)的因素進(jìn)行分析,得出影響因素主要有：規(guī)范農(nóng)業(yè)保險(xiǎn)發(fā)展的法律法規(guī)體系不健全、農(nóng)業(yè)保險(xiǎn)經(jīng)營(yíng)組織架構(gòu)及保險(xiǎn)服務(wù)體系跟不上,其中包括機(jī)構(gòu)設(shè)置不足、險(xiǎn)種不足、條款及費(fèi)率制定粗放、服務(wù)手段落后等問(wèn)題,以及現(xiàn)行農(nóng)業(yè)保險(xiǎn)多頭監(jiān)管、協(xié)調(diào)機(jī)制未建立等因素。 第四部分：國(guó)外農(nóng)業(yè)保險(xiǎn)監(jiān)管及參保農(nóng)民權(quán)益保護(hù)的經(jīng)驗(yàn)研究。本部分通過(guò)對(duì)英美法系代表國(guó)家和大陸法系代表國(guó)家的農(nóng)業(yè)保險(xiǎn)監(jiān)管制度進(jìn)行分析概述,總結(jié)出國(guó)外農(nóng)業(yè)保險(xiǎn)監(jiān)管制度對(duì)我國(guó)的幾點(diǎn)啟示。論文分析認(rèn)為：農(nóng)業(yè)保險(xiǎn)的監(jiān)管需要相應(yīng)的法律法規(guī)支持,農(nóng)業(yè)保險(xiǎn)的監(jiān)管方式應(yīng)當(dāng)符合本國(guó)國(guó)情,農(nóng)業(yè)保險(xiǎn)的監(jiān)管機(jī)構(gòu)、監(jiān)管對(duì)象和內(nèi)容應(yīng)當(dāng)明確。 第五部分：加強(qiáng)農(nóng)險(xiǎn)監(jiān)管和保護(hù)參保農(nóng)民權(quán)益的對(duì)策建議研究。本部分針對(duì)前面對(duì)影響我國(guó)農(nóng)業(yè)保險(xiǎn)監(jiān)管和參保農(nóng)民權(quán)益保護(hù)因素的分析及國(guó)外對(duì)農(nóng)業(yè)保險(xiǎn)監(jiān)管和參保農(nóng)民權(quán)益保護(hù)方面的經(jīng)驗(yàn)啟示,從五個(gè)方面提出對(duì)策建議。論文分析認(rèn)為：加強(qiáng)我國(guó)農(nóng)業(yè)保險(xiǎn)監(jiān)管和保護(hù)參保農(nóng)民權(quán)益應(yīng)著重完善農(nóng)業(yè)保險(xiǎn)法規(guī)及制度建設(shè),加大投入建立健全農(nóng)業(yè)保險(xiǎn)服務(wù)體系,建立農(nóng)業(yè)保險(xiǎn)的有效監(jiān)管體系,引導(dǎo)社會(huì)力量參與監(jiān)管,構(gòu)建農(nóng)業(yè)保險(xiǎn)社會(huì)監(jiān)督機(jī)制,并積極發(fā)揮保險(xiǎn)行業(yè)自律組織的約束機(jī)制,從根本上發(fā)揮農(nóng)業(yè)保險(xiǎn)的監(jiān)管作用,切實(shí)保障參保農(nóng)民的合法權(quán)益。 本文的主要特色和創(chuàng)新之處在于：①將農(nóng)業(yè)保險(xiǎn)監(jiān)管作為一個(gè)專門問(wèn)題,并基于參保農(nóng)民權(quán)益保護(hù)視角,研究如何通過(guò)完善農(nóng)業(yè)保險(xiǎn)監(jiān)管體系來(lái)保護(hù)農(nóng)民的利益,切入視角較為獨(dú)特。②論文提出了建立我國(guó)農(nóng)業(yè)保險(xiǎn)監(jiān)管制度的框架和具體建議,包括加強(qiáng)法規(guī)及制度建設(shè)、充分發(fā)揮社會(huì)力量、行業(yè)自律組織的監(jiān)督作用等,對(duì)構(gòu)建我國(guó)農(nóng)業(yè)保險(xiǎn)消費(fèi)者權(quán)益保護(hù)機(jī)制和提升農(nóng)業(yè)保險(xiǎn)的監(jiān)管水平具有重要意義。
[Abstract]:Agriculture is the basic industry of our national economy, and it is also a weak industry. The healthy development of agriculture needs agricultural insurance to escort it, and the development of agricultural insurance is an important measure to support and protect the development of agriculture. The consumers of agricultural insurance in China are the vast majority of the insured farmers, and the farmers are the agricultural insurance to survive. The foundation of the development is that the farmers in our country, although the overall cultural level is not high, but simple, simple, to do a good job of protecting the rights and interests of the insured farmers, is the duty of the insurance regulators, and is also an important standard to measure the effectiveness of the supervision work. It is of great strategic significance to promote the scientific and standardized operation of agricultural insurance and to promote the smooth development of agricultural insurance in China, and to ensure the safety of national grain production.
This paper, starting from the special purpose of the development of agricultural insurance, focuses on the analysis of the damage to the interests of the insured farmers and the necessity of supervision in the operation of insurance, claims, catastrophe loss allocation, premium subsidy and so on, and analyzes the factors that affect the supervision of agricultural insurance and the protection of farmers' rights and interests in combination with the current practice. On the basis of this, the paper draws on the experience of foreign agricultural insurance supervision and the protection of farmers' rights and interests, and puts forward some countermeasures and suggestions to strengthen the supervision of agricultural insurance and protect the protection of farmers' rights and interests.
This article is divided into five parts. The main contents and viewpoints of each part are as follows:
The first part is to discuss the background and significance of the research, and briefly summarize the relevant research literature on the supervision of agricultural insurance at home and abroad and the rights and interests of farmers participating in the insurance.
The second part: the particularity of the development of agricultural insurance in China and the necessity of strengthening supervision. First, the special purpose of the development of policy based agricultural insurance in China and the special requirements for supervision are defined, and the two special purposes of the development of policy based agricultural insurance in China are put forward: promoting the development of agriculture, ensuring the security of grain, and reducing the peasants. In the second place, this paper makes a detailed analysis of the new problems faced by the large-scale development of agricultural insurance in China and the damage to the rights and interests of the insured farmers. Finally, the objective and practical significance of the supervision of agricultural insurance in China are briefly summarized. The insurance interests of farmers, safeguarding fairness and impartiality in the agricultural insurance market, and monitoring the safe use of state financial subsidy funds are of great practical significance.
The third part: the analysis of factors affecting the supervision of agricultural insurance and the protection of the rights and interests of farmers. Through the analysis of the factors affecting the protection of agricultural insurance and the protection of the rights and interests of farmers in China, the main factors are as follows: the system of laws and regulations regulating the development of agricultural insurance is not perfect, the organization structure of agricultural insurance and the management of agricultural insurance The insurance service system can not follow, including insufficient institutions, inadequate insurance, extensive provisions and rates, backward services, and the current agricultural insurance supervision, and the coordination mechanism is not established.
The fourth part: the experience of foreign agricultural insurance supervision and the protection of farmers' rights and interests. Through the analysis and summary of the agricultural insurance supervision system of the representative countries of the Anglo American legal system and the representative countries of the continental law system, this part summarizes the Enlightenment of the foreign agricultural insurance regulation system to our country. The supervision needs the relevant laws and regulations. The supervision mode of agricultural insurance should be in accordance with the national conditions of the country. The regulatory bodies of agricultural insurance, the object of supervision and the content should be clear.
The fifth part: to strengthen the agricultural insurance supervision and protection of the protection of farmers' rights and interests of the countermeasures and suggestions. This part, in view of the analysis of the factors affecting the protection of agricultural insurance supervision and the protection of farmers' rights and interests in our country and the experience of foreign agricultural insurance supervision and protection of the protection of farmers' rights and interests, put forward the countermeasures and suggestions from five aspects. It is concluded that strengthening the supervision of agricultural insurance and protecting the rights and interests of farmers should focus on perfecting the regulations and construction of agricultural insurance, establishing and perfecting the service system of agricultural insurance, establishing an effective supervision system for agricultural insurance, guiding the social forces to participate in the supervision and construction of the social supervision mechanism of agricultural insurance, and giving full play to the insurance system. The restraint mechanism of industry self regulatory organizations can fundamentally play the regulatory role of agricultural insurance and effectively protect the legitimate rights and interests of insured farmers.
The main features and innovations of this paper are as follows: (1) taking the supervision of agricultural insurance as a special problem and based on the perspective of protecting farmers' rights and interests, it is more unique to study how to protect the interests of farmers by improving the agricultural insurance supervision system. Specific suggestions, including strengthening the construction of laws and regulations, giving full play to the social strength and the supervision function of the self-discipline organization of the industry, is of great significance to the construction of the protection mechanism of the consumer rights and interests of agricultural insurance and the improvement of the regulatory level of agricultural insurance in China.
【學(xué)位授予單位】：西南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.66

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