摘要
广东农业保险自2007年试点以来,在保障农业生产、帮助农民灾后迅速恢复生产生活等方面发挥了重要作用。但在农业保险的发展过程中,也出现了各地区发展极不均衡、农业保险覆盖率较低、农业保险品种单一等不合理因素,同时在农险的经营中存在投保逆向选择、道德风险突出、巨灾风险难以应对、保险赔付封顶、保险金额过低、保障程度不到位等问题,亟待引起重视。通过综合分析广东省农业保险的现状与问题,借鉴全国各地经营农险的经验,提出相关的对策建议。
Agricultural insurance has played an important role in protecting the agricultural production and helping famers with recovery of production rapidly since the pilot project launched in Guangdong province in 2007. But in the development of agricultural insurance, appears unreasonable factors such as extremely unevenly development in different areas, lower coverage and single variety of Agricultural insurance. Meanwhile, in the management of agricultural insurance, there are some problems like adverse selection, moral hazard seriously, difficulty of dealing with catastrophe, compensation caps of insurance, lower amount of compensation, protection level inadequately etc need special attention urgently. To analyze the current situation and the issue on agricultural insurance of Guangdong Province, drawing on the experience of the management all over the country, at last, putting forward related policy suggestions.
出处
《广东农业科学》
CAS
CSCD
北大核心
2013年第4期208-211,共4页
Guangdong Agricultural Sciences
关键词
广东省
农业保险
问题
对策建议
Guangdong province
agricultural insurance
issue
policy suggestions
