“三农”视角下陕西种植业保险市场分析

介绍了陕西种植业保险市场的发展现状,表明陕西种植业保险的开展情况并不理想。分析了陕西农村种植业保险发展中面临的突出问题,一是种植业风险种类多,发生频率高,损失大;二是商业保险公司种植业保险的有效供给严重不足;三是农户的有效需求受到制约;四是政府对种植业保险缺乏制度化支持。基于"三农"视角,提出了陕西种植业保险发展的策略选择:鼓励商业保险公司积极介入种植业保险市场,建立完备的农业再保险体系;加强种植业保险的宣传力度,加快农业产业化的进程;加大对种植业保险的政策支持力度,推动种植业保险发展。

Analysis on Crop Farming Insurance Market from Issues Concerning Agriculture, Countryside and Farmers

Current situation is not good for crop farming insurance market in Shaanxi Province.Through analysis,it is found there are following outstanding problems in development of crop farming insurance.Firstly,risks of crop farming are various,occurrence frequency is high and losses are great.Secondly,effective supply of commercial insurance companies for crop farming insurance is seriously inadequate.Thirdly,farmers' demands are restricted.Fourthly,it is lack of system support of government for crop farming insurance.From the point of issues concerning agriculture,countryside and farmers,it puts forward strategies for development of crop farming insurance in Shaanxi Province.These include:encourage commercial insurance companies to actively enter crop farming insurance market;establish perfect agricultural reinsurance system;strengthen propaganda of crop farming insurance and speed up agricultural industrialization;enhance policy support for crop farming insurance to promote its development.