青海省农业保险发展调查报告.pdf

青海省农业保险发展调查报告

李娜

(中国人民银行西宁中心支行,青海西宁 810001)

[摘要]自然灾害是造成青海农牧区经济发展缓慢、部分群众生产生活困难的主要原因
之一。青海农牧区保险业发展存在农牧民对保险的需求有限,保险公司供给不足,巨灾风险
分散机制欠缺,缺乏法律、法规的支持与保护等问题。建议建立健全统计分析、评估体系,
出台对青海农业保险的扶持措施,以财政“杠杆”撬动金融“杠杆”,设计符合青海农牧区
实际灾情的险种,研究制定《农业保险法》或出台《青海省农业保险管理暂行办法》,以促
进青海农业保险的发展。
[关键词]农业保险;政策扶持;自然灾害
[中图分类号] [文献标识码] A [文章编号]1004-3306(2007)03-0090-04
Abstract: The prevalence of natural disaster is one of the major reasons for
slow economic development and distressed life of local population in the
agricultural and pastoral regions of Qinghai province. Regarding insurance
development in these regions, there are the issues of limited demands of local
farmers and herdsmen, insufficient supply of panies, lack of risk
spread system for catastrophes, and lack of legal support and protection, etc. The
author suggests to establish plete statistic analysis and appraisal system,
promulgate supportive policies on agricultural insurance in Qinghai province, use
the fiscal “leverage” to activate the financial “leverage”, design products
compatible with the actual situation of this region, research and stipulate
“Agricultural Insurance Law” or “ Provisional Measures on Agricultural Insurance
Management in Qinghai Province ”, to promote the development of agricultural
insurance in this province.
Key words:agricultural insurance; policy support; natural d