[1]刘雪萍.“三农”综合保险的可持续性研究——以福建龙岩“三农”综合保险为例[J].金融教育研究,2014,(03):46-50.
　LIU Xueping.The Sustainability of the Comprehensive Insurance of Agriculture,Rural Areas and Farmers---Example from Longyan City in Fujian Province[J].,2014,(03):46-50.
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“三农”综合保险的可持续性研究——以福建龙岩“三农”综合保险为例()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2014年03期
页码:
46-50
栏目:
出版日期:
2014-06-30

文章信息/Info

Title:
The Sustainability of the Comprehensive Insurance of Agriculture,Rural Areas and Farmers---Example from Longyan City in Fujian Province
作者:
刘雪萍;
闽江学院,福建 福州,350108
Author(s):
LIU Xueping
关键词:
“三农”综合保险; 可持续性; 政府支持; 保险经营; 投保率
Keywords:
comprehensive insurance of agriculture; rural areas and farmers;  sustainability;  government sup-port;  insurance operation;  participation rate
分类号:
F842.7
文献标志码:
A
摘要:
"三农"综合保险的可持续性分为政府支持可持续性、保险经营可持续性、农民投保可持续性和成功经验的可推广性。不可持续的原因主要有:缺乏法律保障,政府支持具有不确定性能;农村税源流失、财政收入增速赶不上保费补贴增速;集中招投标式的市场准入与自由竞争的大方向相背;"三农"风险的重要性相对降低,投保率下降。应通过立法将政府支持固定下来;培育税源,防灾防损,抑制保费补贴的增速;借鉴国际经验,规定在农村地区开业的保险必须经营部分险种;提高农业收入在农民收入来源中的比重,稳定投保率。
Abstract:
The sustainability of the comprehensive insurance of agriculture,rural areas and farmers can be di-vided into four aspects:including the sustainability of government support,insurance operation,farmer participation and the extension of successful experiences. The main causes of unsustainability are as follows:lacking in legal pro-tection and the uncertainty of government support;the shortage of countryside tax and the growth rates of fiscal reve-nue can not keep up with the growth rates of insurance subsidies;the centralized bid runs counter to the principle of free competition on market access;the insurer’s lowering risk of agriculture,rural areas and farmers declining the participation rate. So the following measures should be observed:legislation is needed to ensure financial aid;tax re-sources should be increased,actions should be taken to prevent disaster and damage,and the growth rate of insur-ance subsidies should be curbed;the successful international experience should be learned for reference,some insur-ance program in rural areas should be defined;it is crucial to increase the ratio of agricultural earnings in farmers’ total income and to maintain the participation rate of insurance.

参考文献/References:

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备注/Memo

备注/Memo:
福建省教育厅2011年人文社科项目(JA11205S); 闽江学院2011年社科启动项目(YSQ1102)
更新日期/Last Update: 1900-01-01