前言........................................................................................................................1一、海南省渔业保险发展现状....................................................................................2（一）渔业保险经营现状............................................................................................21．商业性渔业保险......................................................................................................22．政策性渔业互助保险..............................................................................................3(二）政策现状..............................................................................................................3二、海南省渔业保险存在的问题................................................................................4（一）资金困境制约了保险机构展业........................................................................4（二）自然灾害让海南渔业保险进入恶循环............................................................5（三）渔民参保率低....................................................................................................51.渔农对保险的认可度不高........................................................................................52.保费过高致使渔农经济压力大................................................................................63.雇主为雇员投保率低................................................................................................6（四）险种单一、商业性渔业保险缺失....................................................................61、规模小且险种单一..................................................................................................62、养殖险种未成形......................................................................................................6（五）相关法律法规的缺失与不完善........................................................................7（六）道德风险事件影响渔业保险展业....................................................................7三、推进海南省渔业保险发展的对策建议................................................................7（一）实施降低放款门槛与政策便利的组合拳以缓解资金问题............................7（二）对现行渔业保险进行改革、加强监管............................................................81.理性借鉴国外经营模式完善自我............................................................................83.设定免赔区间............................................................................................................82.提高业务人员的专业素养........................................................................................84.做好渔民风险意识教育工作....................................................................................8（三）在现基础上支持商业保险公司再进军渔业保险市场....................................8（四）在原基础上增加保险种类力求贴合市场需求................................................91.推出阶段性保险、确定不同费率............................................................................92.推行渔业分红保险....................................................................................................93.政府充当最后保险人................................................................................................91.制定独立的渔业保险法律法规..............
