政策性农业保险法律问题研究.pdf

山西财经大学
硕士学位论文
政策性农业保险法律问题研究
姓名:崔捷
申请学位级别:硕士
专业:经济法学
指导教师:张旭娟
2011-05-25
摘要
农业保险,是世界各国鼓励和保护农业发展惯用政策,降低了农业生产带
来的生产风险,保障了农业生产者的自身利益,增强了农业生产的可持续性。
我国地域辽阔、气候复杂多样,有些地区天气变化无偿,由恶劣天气带来的农
业灾害经常发生,给农业生产者带来巨大的损失,同时也阻碍了我国农业生产,
这就需要农业保险分散农业风险。商业型农业保险虽然在一定程度上能够缓解
农业风险,但商业保险盈利性无法满足农业保险的政策性,其先天性的缺陷“市
场失灵”直接制约着农业保险的发展。因此,建立健全政策性农业保险制度,
制定相关法律法规,规范政策性农业保险是我国现阶段的主要任务。
为此,本文运用对保险法学基础理论、农业保护理论及国家干预与市场机
制理论,通过对国内外农业保险立法及制度的探讨,借鉴国外的先进政策性农
业保险发展经验,结合我国政策性农业保险的试点现状以及分析试点存在的普
遍问题,提出几点关于我国发展政策性农业保险法律制度的建议。

【关键字】政策性农业保险再保险制度巨灾风险







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Abstract
Agricultural insurance, is to encourage and protect the world conventional agricultural
development policies, reducing the production of agricultural production risk, protect their own
interests of agricultural producers, enhance the sustainability of agricultural production. China's vast
territory, climatic variation, changes in the weather in some areas free of charge, by the severe
weather damage to agriculture often happens, to the enormous loss of agricultural producers, but
also hinder agricultural production, which requires decentralized agricultural agricultural insurance
risk. mercial-type agricultural insurance can alleviate to some extent, agricultural
risks, but the profitability mercial insurance can not meet the policy agricultural insurance,
congenital defects of its "market failure" directly restricts the development of agricultural insurance.
Therefore, the establishment of sound policy-oriented agricultural insurance system, the
development of relevant laws and regulations, regulatory policies of the agricultural insurance is the
main task of the present stage.
Therefore, this paper, the basic theory of insurance law, agricultural protection theory and
theory of state intervention and market mechanism, through the international system of agricultural
insurance legislation and discussion, learn from advanced foreign experience in the development