金融学院知识库

  乡村振兴战略要求农业保险有新的发展，农业互助保险对农村农业起着推动作用。我国作为一个农业大国，发展乡村经济有助于促进全国经济的稳定。然而，我国农业灾害频发，常年以来损失惨重，影响了乡村的经济发展。通过借助农业保险来规避农作时期的风险是一个有效的途径。农业互助保险在部分发达国家已经发展比较完善并建立起了适应于自身的经营模式。在我国，农业互助保险的经营模式起步较晚，进展缓慢。

  本文从我国农村互助保险的发展背景出发引出写作意义，其次提出农业互助保险、农业互助保险组织和农村保险互助社的相关概念以及相关理论基础，对相互保险组织能有初步的了解。然后，分别列举国外农业互助保险组织的发展状况和经营模式以及国内农业互助保险组织的发展现状。以浙江省瑞安市马屿镇农村保险互助社为例，通过对其背景、运行模式、运行状况进行分析得出经验总结。由此从政策层面、经营层面、农户层面发现我国农村保险互助社的困境。政策层面上存在政府扶持力度较低、相关法律不够完善、监管不够到位的问题；经营层面存在风险覆盖率偏低、缺乏巨债分散机制、专业人才匮乏、管理水平与服务水平不高的问题；农户层面存在农户经济状况以及缺乏保险意识的问题。最后针对我国农村保险互助社中存在的问题，从政策以及保险组织本身出发提出相应的解决方案，如加强政策支持、完善法律法规、加大监管力度、积极推进农村保险互助社试点工作、培养专业化人才、提高农民保险意识、提供利民便民渠道、加大保费资金来源、完善内部治理机制、强化业务财务监督、加强与商业保险合作等。

      Rural revitalization strategy requires new development of agricultural insurance, and agricultural mutual aid insurance plays an important role in promoting rural agriculture. China as a big agricultural country, the development of rural economy is conducive to promoting the stability of the national economy. However, the frequent occurrence of agricultural disasters in China has caused heavy losses throughout the years, which has affected the economic development of rural areas. It is an effective way to avoid the risk of farming period by means of agricultural insurance. Agricultural mutual aid insurance in some developed countries has developed relatively perfect and established a business model adapted to its own. In our country, the operation mode of agricultural mutual aid insurance starts late and progresses slowly.

      This article from the development background of China's rural mutual insurance leads to the significance of writing, followed by the agricultural mutual insurance, agricultural mutual insurance organizations and rural mutual insurance related concepts and related theoretical basis, mutual insurance organizations can have a preliminary understanding of the mutual insurance. Then, it lists the development status and operation mode of foreign mutual agricultural insurance organizations and the development status of domestic mutual agricultural insurance organizations. In Ruian, Zhejiang Province, manufacuer's rural mutual aid insurance company, as an example, through its background, operation mode, operation status analysis to conclude the experience. From the policy level, the management level, the farmer level found our country rural insurance mutual aid community's predicament. At the policy level, there are problems such as low government support, imperfect relevant laws and inadequate supervision. At the management level, there are problems such as low risk coverage, lack of huge debt dispersion mechanism, lack of professional talents, and low management level and service level. At the level of farmers, there are problems such as the economic situation of farmers and the lack of insurance awareness. Finally aiming at the problems existing in the rural insurance support, from the perspective of policy and the insurance organization itself put forward the corresponding solutions, Such as strengthening policy support, perfecting laws and regulations, strengthen supervision, actively promote the rural insurance pilot work, cultivate professional talents, a support farmers' insurance awareness, to provide relief for the convenience of channels, increase premium source of funds, improve the internal governance mechanism, strengthening financial supervision, strengthen cooperation with commercial insurance, etc.