我国种植业保险经营模式研究_高子清著.pdf

图书在版编目(CIP)数据我国种植业保险经营模式研究/高子清著 哈尔滨:黑龙江教育出版社，20127ISBN 978 7 5316 6512 0.我.高.种植业农业保险经济管理研究中国.F84266中国版本图书馆 CIP 数据核字(2012)第153507 号我国种植业保险经营模式研究Woguo Zhongzhiye Boxin Jingying Moshi Ynjiu高子清著责任编辑徐永进李扬封面设计朱建明责任校对程佳出版发行黑龙江教育出版社(哈尔滨市南岗区花园街158 号)印刷黑龙江远东联达教育文化传媒有限公司开本880 毫米 1 230 毫米1/32印张6字数140 千版次2012 年7 月第1 版印次2012 年7 月第1 次印刷书号ISBN 978 7 5316 6512 0定价3000 元黑龙江教育出版社网址:www hljep com cn如需订购图书，请与我社发行中心联系。联系电话:0451 8252959382534665如有印装质量问题，请与我社联系调换。联系电话:0451 82529347如发现盗版图书，请向我社举报。举报电话:0451 82560814摘要摘要随着我国构建和谐社会的发展进程，新农村建设问题日益突出。在构建社会主义新农村过程中，主要是发展农村经济，而种植业在整个农村经济中处于核心地位，种植业保险则对种植业的健康发展起到保驾护航的作用，因而对种植业保险的研究具有重要的意义。我国的种植业保险发展比较缓慢，相关的理论研究也比较薄弱，尤其是对种植业保险模式的系统研究相对较少，为此，本文针对我国的种植业保险模式，从博弈论角度和需求角度进行探索与研究。本文以我国种植业保险经营模式为研究对象，分析我国种植业保险经营的目的背景以及意义。在对国内外种植业保险经营模式相关研究及趋势评述的基础上，确定研究方法，并结合当今种植业保险经营模式构建了我国种植业保险经营模式的研究框架体系。在对种植业保险经营模式进行定性和定量分析的基础上，本文按照政府、商业性保险公司和农户三方面，分别对其合作、非合作、国家种植业保险供需与资本投入等方面从博弈论的角度进行较深入的分析和论证。其中，在合作博弈分析中对政府、商业性1保险公司与农户之间合作的阻碍因素、合作策略选择等方面进行了分析;在非合作博弈分析中分析了政府、商业性保险公司、农户三者之间的合作优势以及利益分配等，并且运用博弈论对政府、商业性保险公司、农户三者在进行种植业保险经营时各自的成本投入进行了分析;本文以鄱阳湖湖区的供需抽样调查分析了我国的种植业保险供给与需求，进而对鄱阳湖湖区的种植业保险经营作出了研究。本文以经营服务角度为着眼点，提出建立国家种植业保险经营服务部，对种植业保险的区域划分、保费厘定等方面提出由国家进行勘定，对商业性保险公司的经营方式提供建议，对农户对待种植业保险的理念进行分析，提出了新的见解。本文的研究有助于政府和商业性保险公司在今后更加注重对我国种植业保险的经营服务，提高我国种植业保险的有效需求，可以作为我国种植业保险经营模式的理论借鉴和参考，推进种植业保险的经营实践，有助于政府和商业性保险公司及农户进行科学决策。2AbstractAbstractAs Chinas building of a harmonious society in the developmentprocess，building new rural areas have become increasingly promi-nent In the process of building a new countryside is to develop therural economy，and farming in the rural economy as a whole at theheart of planting the insurance industry is on the healthy developmentof the farming plays the role of escort，thus planting the insurance in-dustry study important practical significance Chinas growing insur-ance industry is relatively slow development，theoretical research re-lated to the relatively weak，especially for the farming insurancemodel of a relatively small system，this paper for Chinas farming in-surance model，from the perspective of game theory and the demandpoint of view carried out exploration and researchIn this paper，the insurance industry in our country plant busi-ness model for the study，analysis of plant operating purpose of theinsurance industry background and significance of plant industry atthe domestic and foreign insurance business model related researchand trends on the basis of comments to determine the research meth-1ods，combined with todays plant insurance industry business modelto build plant in Chinas insurance industry，business model researchframeworkIn the farming insurance business model for both qualitative andquantitative analysis on the basis of this article in accordance withthe government，insurance companies and commercial farmers inthree areas，namely their cooperation and non for，the state cropinsurance and capital supply and demand，and so on from the gameOn the point of view a more in depth analysis and argument Theco operation in the Game Theory analytical in the government，in-surance companies and commercial farmers co operation betweenthe factors that hinder cooperation strategy choices are analyzed;Andthe use of game theory to the government，commercial insurancecompanies，three farmers in farming operations in the insurance costsof their inputs;Poyang Lake and to supply and demand analysis of asample survey of Chinas growing insurance industry supply and de-mand，and on the Poyang Lake Lakes region growing insurance in-dustry analysis to the study of operationFrom the perspective of the operation and service focus for theproposed establishment of a national crop insurance services operat-ing on the crop insurance division of the region，such as determiningthe premium put forward by the State to carry out demarcation on thecommercial insurance business in a manner to provide recommenda-tions;on Treatment of farmers planting the idea of the insurance in-2Abstractdustry analysis，made their viewsIn this paper，the focus of the operation and service perspec-tive，the country set up the operation and service of plant industry，the Department of Insurance，the plant industry，the regional divi-sion of insurance，the premiums and other aspects of the determina-tion by the State to carry out demarcation of commercial insurancecompanies to provide management recommendations;of farmers dealwith the insurance industry，the concept of plant analysis，a newviewThis study will help government and commercial insurance com-panies in the future of our country pay more attention to the operationof plant industry，insurance services，plant improve our countrys ef-fective demand for insurance can be regarded as our country plant in-dustry insurance theoretical business model reference and reference，and promote plant the operation of the insurance industry practice，and contribute to government and commercial insurance companiesand farmers to carry out scientific decision makingKeywordsCrop Insurance Business Model Analysis of theGame Effect