农业保险在我国的发展前景-005VIP免费

郑州交通职业学院毕业论文论文题目：农业保险在我国的发展前景所属系别：经济管理系专业班级：10级保险实务1班姓名：孙志成1学号：201008050630001指导老师：撰写日期2013年4月2摘要农业保险对稳定农业生产、提高农民收入具有重要作用，但是其自身固有的特点使得农业保险成本居高不下，在许多国家农业保险的顺利开办主要得益于政府的大量补贴。农业保险的发展现状不是很乐观，本文针对农业保险在发展过程中存在出现的问题提出了对策建议。主要问题有：缺乏规范农业保险的法律，农民对农业保险的认识程度不高，保险理赔不及时有效需求不足等，来研究农业保险的发展现状及解决对策。关键词：农业保险；发展现状；政策性农业保险；完善3AbstractAgriculturalinsuranceplaysanimportantroleinstableagriculturalproduction,increasefarmers'income,butitsinherentcharacteristicsmakesagriculturalinsurancecostishigh,agriculturalinsuranceinmanycountriesofthesmoothstartthankstogovernmentsubsidiesofagriculturalinsurancedevelopmentpresentsituationisnotoptimistic,inthedevelopmentprocessofagriculturalinsurance,theauthorofthispapermainproblemstheproblemsputforwardcountermeasuresandSuggestionsare:thelackofstandardizedagriculturalinsurancelaw,farmersdonothaveahighlevelofunderstandingofagriculturalinsurance,insuranceclaimsinsufficienteffectivedemandandsoon,notintimetostudytheagriculturalinsurancedevelopmentpresentsituationandcountermeasuresKeywords:agriculturalinsurance;Developmentpresentsituation;Policy-orientedagriculturalinsurance;perfect4目录1引言.............................................................................................................................12开展农业保险的必要性.............................................................................................13国农业保险发展成效.................................................................................................23.1业务快速发展，服务面迅速扩大...................................................................23.2涉农保险产品更加丰富...................................................................................23.3各级财政对农业保险的投入力度不断加大。...............................................23.4政策性农业保险服务网络初步形成。...........................................................33.5农业保险的作用日益凸显。...........................................................................34我国农业保险市场现状分析.....................................................................................34.1赔付率高，承保业务亏损严重.......................................................................34.2财政支持力度不足，农业保险发展动力不足...............................................34.3涉及多部门和组织，缺乏统一的领导协调机构...........................................34.4农业发展水平不高，农民保险意识薄弱.......................................................34.5保费收入低，规模化经营受限制...................................................................45我国农业保险发展所存在的主要问题.....................................................................45.1我国农业保险的有效需求严重不足。...........................................................45.2政府对农业保险的支持力度不够，缺乏配套政策的保障...........................45.3农业保险的水平较低.......................................................................................55.4农业保险缺乏完善的法律法规支持...............................................................56完善农业保险政策，促...