摘要
发展水产养殖保险有利于减少灾害对养殖者生产、生活的影响,有利于保障渔民收入,维持社会稳定。在分析水产养殖业高风险性与商业保险公司逐利性的矛盾的基础上,总结了上海淡水养殖保险发展情况及山东、浙江政策性互助保险试点情况,指出目前我国水产养殖政策性保险发展存在的问题主要是缺乏法律保障、政府主导、人才技术等。提出在宏观层面政府加快立法、微观层面保险公司采取措施控制逆向选择和道德风险等建议。
Developing aquiculture insurances benefit to reduce the influences of disaster on production and life of culturist,benefit to insure the income of fishers and keep the stabilization of society.Based on analyzing the conflict that between high risk of aquiculture and profit-pursuing of commercial insurance company,the developmental situation of fresh water aquiculture insurance in Shanghai and the pilot situation of policy mutual insurance in Zhejiang were summarized.Then,the problems existing in development of aquiculture policy insurance in China mainly were lacking legal guarantee,government leading,talents and techniques.In the end,some suggestions were proposed that in macroscopical aspect,government should accelerate lawmaking;in microcosmic aspect,insurance company should adopt measures to control adverse selection and moral risk.
出处
《湖南农业科学》
2011年第3期122-126,共5页
Hunan Agricultural Sciences
基金
现代农业产业技术体系建设专项资金资助(nycytx-50)
关键词
水产养殖
政策性保险
影响因素
aquiculture
policy insurance
influencing factor
