1、 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 学 号 专 业 指导教师 2011 年 5 月 16 日 I 摘 要 农业保险的发展对我国农民、农业经济和国民经济的发展具有巨大的影响。农业保 险在抵御农业经济风险、转嫁农业经济危机、保证农业生产连续进行、为农民提供一定 的保障等方面起到了积极的作用。但是，我国的农业保险因为农民收入较少、财政和政 策支持缺乏、法律法规的不完善、没有相关部门的管理和农业保险限制条件过多等因素 致使我国农业保险出现了认可度不高、普及度不够、收效不明显。为了更好的发展我国 的农业保险，观察国外农业保险发展经验和措施，并总结出国家开展农业保险的经验是 政府
2、适当的干预和支持、完善相关的法律法规、对保险经营者提供补贴和再保险等。将 国外经验和我国的国情结合起来，认为目前我国发展农业保险要从加快农业保险立法、 加大政府的投入和干预、成立专门的农业保险管理部门和股份制农业保险公司、建立农 业保险补偿基金、建立试点地区等方面入手。 关键词关键词：农业保险；国外经验；保险立法； 政策支持 1 Abstract Agricultural insurance development to Chinese farmers and agricultural economy and national economic development has great in
3、fluence. 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 regul
4、ations 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 a
