今日要聞

深入推進農(nóng)業(yè)保險,有效規(guī)避農(nóng)業(yè)風險

2018-06-30 17:49:50 來源:中國農(nóng)機網(wǎng)整理發(fā)布 閱讀量:34938 評論

導讀:建立健全完善的農(nóng)業(yè)風險防范體系,能夠更加有效為農(nóng)民在災害面前規(guī)避風險,切實保障農(nóng)民利益,為我國“三農(nóng)”發(fā)展保駕護航。但是由于小農(nóng)戶風險意識薄弱、農(nóng)業(yè)保險的發(fā)展規(guī)模普遍還滯后于現(xiàn)代農(nóng)業(yè)的發(fā)展、險種較為單一等原因使得我國的農(nóng)業(yè)保險發(fā)展還有很長一段路要走。

  【中國農(nóng)機網(wǎng) 編輯視角】建立健全完善的農(nóng)業(yè)風險防范體系,能夠更加有效為農(nóng)民在災害面前規(guī)避風險,切實保障農(nóng)民利益,為我國“三農(nóng)”發(fā)展保駕護航。但是由于小農(nóng)戶風險意識薄弱、農(nóng)業(yè)保險的發(fā)展規(guī)模普遍還滯后于現(xiàn)代農(nóng)業(yè)的發(fā)展、險種較為單一等原因使得我國的農(nóng)業(yè)保險發(fā)展還有很長一段路要走。
 
  險種、費率差異化個性化有待提高
 
  我國的農(nóng)業(yè)保險體系發(fā)展相對而言還不夠成熟,對于那些大型企業(yè)來說保險品種較為單一,個性化、差異化的產(chǎn)品保險比較缺乏。同時,相對粗放的保險費率模式也在一定程度上影響了農(nóng)業(yè)保險的發(fā)展。
 
  不同地區(qū)、不同氣候條件乃至于不同農(nóng)作物種植結(jié)構(gòu)的生產(chǎn)風險執(zhí)行差別化費率極為重要,逐步精細化的管理顯然使得不同地區(qū)的人對農(nóng)業(yè)保險也能夠有更高的認可度。完善補貼模式,建立分不同保障水平的差異化補貼模式;豐富保險險種,建立農(nóng)作物災情數(shù)據(jù)庫,借助于互聯(lián)網(wǎng)及大數(shù)據(jù)發(fā)展的東風建立健全保險體系,更加科學有效地對待災情帶來風險。
 
  加強政府支持力度,擴大補貼范圍
 
  農(nóng)業(yè)保險是一種靠天吃飯的險種,收費低。風險高。賠付率大,這也就意味著很有可能一個災年就使得保險公司以往數(shù)年積累的資金全部一朝殆盡。此外,因其涉及面廣等因素制約,就需要政府的專項支持。
 
  當前我國的農(nóng)業(yè)保險補貼涵蓋了種植業(yè)、養(yǎng)殖業(yè)以及一些其他品種,覆蓋面廣,其覆蓋責任主要針對的是當?shù)氐淖匀粸暮?、重大病蟲害以及意外事故,但是在其他方面來說財政補貼水平依然較小。因此,應當加大政府支持力度,尤其是在財政支持方面,擴大補貼范圍,盡量豐富農(nóng)業(yè)保險的產(chǎn)品供給,滿足多元化需求。
 
  進一步促進農(nóng)業(yè)發(fā)展,在根本上提高對農(nóng)業(yè)保險的需求
 
  雖然農(nóng)業(yè)保險有利于農(nóng)戶規(guī)避風險,保障收益,但是對于很多地區(qū)的農(nóng)民來說,他們受傳統(tǒng)的農(nóng)業(yè)風險自留觀念影響,對于農(nóng)業(yè)保險的預期收益并不高,保險意識還較為薄弱;同時,猶豫今年來農(nóng)民通過勞動力的流動來補償農(nóng)作物的損失等方式,使得農(nóng)業(yè)收入占農(nóng)民收入比重下降,這也在一定程度上降低了農(nóng)業(yè)保險的需求;而不得不說,對于貧困地區(qū)的農(nóng)民,他們有限的支付水平也影響著農(nóng)業(yè)保險的有效需求。
 
  進一步促進“三農(nóng)”發(fā)展,從根本上提高農(nóng)業(yè)保險的需求。通過主流媒體的宣傳等方式使農(nóng)民對農(nóng)業(yè)保險有更加正確的認知,認識到農(nóng)業(yè)保險是解決“三農(nóng)”問題的重要措施;另外,農(nóng)業(yè)發(fā)展,農(nóng)民的收入水平提高,農(nóng)業(yè)保險投保所帶來的經(jīng)濟壓力降低,農(nóng)業(yè)保險需求量自然有所提高。
 
  合理選擇保險運作模式及保險實施方式
 
  區(qū)別于美國、加拿大的政府主導參與型模式、日本的政府支持下的社會互助模式以及西歐的政府資助的商業(yè)保險模式,我們國家選擇的是政府重點選擇性扶持模式。這種模式下的農(nóng)業(yè)保險主要由政府專門農(nóng)業(yè)保險記過或者是國家保險公司提供,險種少、程度低、保障范圍小。
 
  合理選擇保險運作模式及保險實施方式,適當采用強制投保的政策性保險和自愿投保的市場性保險相結(jié)合的原則,使農(nóng)業(yè)保險能夠真正惠及千家萬戶。
 
  建立健全有關(guān)于農(nóng)業(yè)保險的相關(guān)法律體系
 
  很顯然,我國在農(nóng)業(yè)保險方面的法律制度還不夠完善,缺乏一套完整的法律法規(guī)和配套政策對農(nóng)業(yè)保險予以扶持。建立健全法律法規(guī),出臺有關(guān)法規(guī)制度,用法律的像是明確農(nóng)業(yè)保險的各方面問題,形成發(fā)展政策性農(nóng)業(yè)保險完備的法律、制度保證。
 
  此文由本網(wǎng)整理發(fā)布,部分資料來源:農(nóng)村金融理論、百度文庫,如有侵權(quán)或異議請聯(lián)系我們。
我要評論
文明上網(wǎng),理性發(fā)言。(您還可以輸入200個字符)

所有評論僅代表網(wǎng)友意見,與本站立場無關(guān)。

產(chǎn)品推薦 更多

[{"ID":"2721313","Picture":"dabac5fac07fb39a555fdec0ec8fd4b735ed067f7886003409d68b76dad9635fba7b2b3a9403553e.jpg","PictureDomain":"img67","Name":"銷售智慧農(nóng)業(yè)氣象站","Type":"WX-NQ12","Descrip":"智慧農(nóng)業(yè)氣象站W(wǎng)X-NQ12找山東萬象廠家買設(shè)備是不錯的,具有性能穩(wěn)定,檢測精度高,無人職守,抗干擾的能力強,軟件功能豐富等方面特點","CompanyName":"山東萬象環(huán)境科技有限公司","CompanyID":"129287","MarketPrice":"0","PsOrder":"0","PgID":"110","MaxOrder":"0","CityID":"153","City":"濰坊市","Address":"濰坊市","PropertysValue":"","HitNumber":"231","FrontShow":"0","IsCharges":"1","Year":"1","StarNum":"1","UpdateAndClientSort":"51559340","StandUrl":"/st129287","UpdateTime":"2024/12/23 7:40:37","TodayIsUpdate":"1","AttType":"0","AttState":"3","AttAddType":"3","IsSeoCreate":"0","IsOnlinePay":"0","MinPrice":"0.00","MaxPrice":"0.00","ClassID":"21002","productonlinetime":"1900/1/1 0:00:00","OnLineDate":"1900/1/1 0:00:00","DownLineDate":"1900/1/1 0:00:00","BrandPicDomin":"","BrandPicName":"","BrandProperty":"","PBrandID":"0","IsHadVideo":"0","VideoTime":"0","ShowPrice":"0.00","IndustrySort":"1020000","HasPicSort":"102721313","UserID":"142276","PriceType":"0","PictureID":"1685444","CompanyTypeID":"5","Tag":"","LinkMan":"毛志磊","TelPhone":"0536-2117918","ClassName":"其它","ComProduct":"氣象站,土壤墑情監(jiān)測站,負氧離子監(jiān)測站,非洲豬瘟檢測儀,cems煙氣監(jiān)測系統(tǒng)","BrandNameCH":"","IsShow":"1","MarketPrice2":"0","RetailPrice":"0","ComHitnumber":"28068","MarketUpdateTime":"","CreateTime":"2023/2/24 17:33:00","Flag":"1","PackageName":"營銷寶會員","ClientSort":"0","CsName":"","Reprint":"2","FeedBackMsg":"","EnUrl":"","MobilePhone":"15666889815"},{"ID":"3222177","Picture":"mt0001/cc742b5ce382ab34ea2363ae9bbac59ea283cf5035296a0ae76dc049649ce8558c4f36eceadfde48.jpg","PictureDomain":"img65","Name":"銷售粘度計批發(fā)","Type":"DV2T","Descrip":"美國博勒飛粘度計DV2T世界上通用的連續(xù)感應粘度計 5英寸全彩色觸屏顯示(多語言支持) DV2T粘度計內(nèi)建RTD溫度探頭實時監(jiān)控樣品溫度 200種可選轉(zhuǎn)速能夠滿足不同的測量范圍 DV2T粘度計加強型安全控制:自定義用戶使用權(quán)限、日期和時間標記文件、密碼鎖定功能、便攜式登錄設(shè)置自動量程顯示","CompanyName":"天津浩創(chuàng)科技有限公司","CompanyID":"141786","MarketPrice":"0","PsOrder":"0","PgID":"110","MaxOrder":"0","CityID":"2","City":"天津市","Address":"天津市","PropertysValue":"","HitNumber":"2","FrontShow":"0","IsCharges":"1","Year":"1","StarNum":"1","UpdateAndClientSort":"51559338","StandUrl":"/st141786","UpdateTime":"2024/12/23 7:38:18","TodayIsUpdate":"1","AttType":"0","AttState":"3","AttAddType":"3","IsSeoCreate":"0","IsOnlinePay":"0","MinPrice":"0.00","MaxPrice":"0.00","ClassID":"21002","productonlinetime":"1900/1/1 0:00:00","OnLineDate":"1900/1/1 0:00:00","DownLineDate":"1900/1/1 0:00:00","BrandPicDomin":"","BrandPicName":"","BrandProperty":"","PBrandID":"0","IsHadVideo":"0","VideoTime":"0","ShowPrice":"0.00","IndustrySort":"1020000","HasPicSort":"103222177","UserID":"154787","PriceType":"0","PictureID":"2000253","CompanyTypeID":"5","Tag":"","LinkMan":"姚雅珍","TelPhone":"022-87192739","ClassName":"其它","ComProduct":"博勒飛粘度計,IKA攪拌器,賽多利斯天平,atago折射計,優(yōu)萊博水浴","BrandNameCH":"","IsShow":"1","MarketPrice2":"0","RetailPrice":"0","ComHitnumber":"0","MarketUpdateTime":"","CreateTime":"2024/12/23 7:38:18","Flag":"1","PackageName":"營銷寶會員","ClientSort":"0","CsName":"","Reprint":"2","FeedBackMsg":"","EnUrl":"","MobilePhone":"13920127143"},{"ID":"3180539","Picture":"mt0001/dff4085807f5b9022c04e5a5ce603cb30441907f82b7a39a9592c97f1d7cf7f8cb2325678daf2fdb.jpg","PictureDomain":"img48","Name":"銷售進口VICI色譜閥Valco六通閥多少錢","Type":"VICI","Descrip":"Valco十通閥/四通閥/六通閥/8通閥:Valco十通閥 由鄭州旭邁爾儀器有限公司為您提供!3 通 - 12 通閥。☆ 2“、3“和 6“ 加長桿可選?!?材料:Hasloy C合金、Inconel 600合金、Monel 400合金、Nickel 200合金、Nitronic 50合金、Titanium、Zirconium合金","CompanyName":"鄭州旭邁爾儀器有限公司","CompanyID":"141309","MarketPrice":"0","PsOrder":"0","PgID":"110","MaxOrder":"0","CityID":"392","City":"國外","Address":"國外","PropertysValue":"","HitNumber":"137","FrontShow":"0","IsCharges":"1","Year":"1","StarNum":"1","UpdateAndClientSort":"51559338","StandUrl":"/st141309","UpdateTime":"2024/12/23 7:38:54","TodayIsUpdate":"1","AttType":"0","AttState":"3","AttAddType":"3","IsSeoCreate":"0","IsOnlinePay":"0","MinPrice":"0.00","MaxPrice":"0.00","ClassID":"21002","productonlinetime":"1900/1/1 0:00:00","OnLineDate":"1900/1/1 0:00:00","DownLineDate":"1900/1/1 0:00:00","BrandPicDomin":"","BrandPicName":"","BrandProperty":"","PBrandID":"0","IsHadVideo":"0","VideoTime":"0","ShowPrice":"0.00","IndustrySort":"1020000","HasPicSort":"103180539","UserID":"154305","PriceType":"0","PictureID":"1971892","CompanyTypeID":"5","Tag":"","LinkMan":"秦先生","TelPhone":"","ClassName":"其它","ComProduct":"農(nóng)藥殘留檢測儀,食品安全檢測儀,酒精檢測儀,棒式酒精測試儀,油煙檢測儀,水質(zhì)檢測儀,混凝土測溫儀,氣體報警檢測儀等","BrandNameCH":"","IsShow":"1","MarketPrice2":"0","RetailPrice":"0","ComHitnumber":"2205","MarketUpdateTime":"","CreateTime":"2024/11/7 6:17:45","Flag":"1","PackageName":"營銷寶會員","ClientSort":"0","CsName":"","Reprint":"2","FeedBackMsg":"","EnUrl":"","MobilePhone":"17837198913"},{"ID":"2789041","Picture":"00450ea57bc9bc7d3f1aad310e9de070a5f24fb400e59bc938ee09f329673fb359c06ae9b3b58f6d.jpg","PictureDomain":"img73","Name":"銷售篩分儀批發(fā)","Type":"Ro-Tap RX-29-10","Descrip":"美國Tyler泰勒Ro-Tap RX-29-10/RX-30-10旋轉(zhuǎn)振動篩分儀 W.S. Tyler 振動篩分儀設(shè)計實用,可靠,模擬手動篩分,旋轉(zhuǎn)和拍擊運動。廣泛用于制藥行業(yè)、食品行業(yè)、煙草行業(yè)、金屬礦產(chǎn)行業(yè)、化工行業(yè)、糧食、飼料和材料行業(yè)等行業(yè)實驗室或中試的粒子粒徑分析。","CompanyName":"上海君翼儀器設(shè)備有限公司","CompanyID":"129942","MarketPrice":"0","PsOrder":"0","PgID":"110","MaxOrder":"0","CityID":"392","City":"國外","Address":"國外","PropertysValue":"","HitNumber":"119","FrontShow":"0","IsCharges":"1","Year":"1","StarNum":"1","UpdateAndClientSort":"51559338","StandUrl":"/st129942","UpdateTime":"2024/12/23 7:38:28","TodayIsUpdate":"1","AttType":"0","AttState":"3","AttAddType":"3","IsSeoCreate":"0","IsOnlinePay":"0","MinPrice":"0.00","MaxPrice":"0.00","ClassID":"21002","productonlinetime":"1900/1/1 0:00:00","OnLineDate":"1900/1/1 0:00:00","DownLineDate":"1900/1/1 0:00:00","BrandPicDomin":"","BrandPicName":"","BrandProperty":"","PBrandID":"0","IsHadVideo":"0","VideoTime":"0","ShowPrice":"0.00","IndustrySort":"1020000","HasPicSort":"102789041","UserID":"142931","PriceType":"0","PictureID":"1721319","CompanyTypeID":"5","Tag":"","LinkMan":"王經(jīng)理","TelPhone":"86-21-67159386","ClassName":"其它","ComProduct":"電位滴定儀,毛細管粘度計,粘度測量系統(tǒng),篩分儀,超聲波清洗機,COD測定儀,BOD5分析儀","BrandNameCH":"","IsShow":"1","MarketPrice2":"0","RetailPrice":"0","ComHitnumber":"15240","MarketUpdateTime":"","CreateTime":"2023/7/30 17:44:22","Flag":"1","PackageName":"營銷寶會員","ClientSort":"0","CsName":"","Reprint":"2","FeedBackMsg":"","EnUrl":"","MobilePhone":"18621801483"},{"ID":"2731156","Picture":"5eceadd4559dcfd221014a4e68be6c4200c6959cf162c58a0ac127f212bf2dcb054c3038797ca760.jpg","PictureDomain":"img61","Name":"手持數(shù)字對講機哪家好","Type":"BF-TD930","Descrip":"BF-TD930數(shù)字對講機是北峰基于數(shù)字PDT/DMR技術(shù)自主研發(fā)的集群手持終端,整機通過IP68防塵防水檢測、美軍標MIL-STD-810G標準檢測與GJB 150A-2009標準檢測,配置豐富的增值功能,例如語音加密、定位功能、振動提示、實時時間顯示等,經(jīng)典超外差射頻方案提供給用戶優(yōu)異的工作性能。","CompanyName":"福建北峰通信科技股份有限公司","CompanyID":"129395","MarketPrice":"0","PsOrder":"0","PgID":"110","MaxOrder":"0","CityID":"131","City":"泉州市","Address":"泉州市","PropertysValue":"","HitNumber":"109","FrontShow":"0","IsCharges":"1","Year":"1","StarNum":"1","UpdateAndClientSort":"51559338","StandUrl":"/st129395","UpdateTime":"2024/12/23 7:38:25","TodayIsUpdate":"1","AttType":"0","AttState":"3","AttAddType":"3","IsSeoCreate":"0","IsOnlinePay":"0","MinPrice":"0.00","MaxPrice":"0.00","ClassID":"21002","productonlinetime":"1900/1/1 0:00:00","OnLineDate":"1900/1/1 0:00:00","DownLineDate":"1900/1/1 0:00:00","BrandPicDomin":"","BrandPicName":"","BrandProperty":"","PBrandID":"0","IsHadVideo":"0","VideoTime":"0","ShowPrice":"0.00","IndustrySort":"1020000","HasPicSort":"102731156","UserID":"142384","PriceType":"0","PictureID":"1693080","CompanyTypeID":"5","Tag":"","LinkMan":"北峰通信","TelPhone":"15659050859","ClassName":"其它","ComProduct":"對講機,應急通信系統(tǒng)","BrandNameCH":"","IsShow":"1","MarketPrice2":"0","RetailPrice":"0","ComHitnumber":"18649","MarketUpdateTime":"","CreateTime":"2018/3/5 18:32:05","Flag":"1","PackageName":"營銷寶會員","ClientSort":"0","CsName":"","Reprint":"2","FeedBackMsg":"","EnUrl":"","MobilePhone":"15659050859"},{"ID":"2750662","Picture":"15503715273aa74d2bfac02a08780dd34123d2dfb70d8c25a243f21c584f3c246dd5b4496fe59253.jpg","PictureDomain":"img70","Name":"制藥廠便攜式環(huán)氧氯丙烷探測器","Type":"申安","Descrip":"便攜式毒性氣體制藥廠環(huán)氧氯丙烷探測器儀表放大器是一種具有差分輸入和相對參考端單端輸出的閉環(huán)增益單元。大多數(shù)情況下,儀表放大器的兩個輸入端阻抗平衡并且阻值很高,典型值≥109Ω。其輸入偏置電流也應很低,典型值為1nA至50nA。與運算放大器一樣,其輸出阻抗很低,在低頻段通常僅有幾毫歐。運算放大器的閉環(huán)增益是由其反向輸入端和輸出端之間連接的外部電阻決定。與放大器不同的是,儀表放大器使用一個內(nèi)部反饋電","CompanyName":"濟南申安電子科技有限公司","CompanyID":"128861","MarketPrice":"0","PsOrder":"0","PgID":"110","MaxOrder":"0","CityID":"147","City":"濟南市","Address":"濟南市","PropertysValue":"","HitNumber":"181","FrontShow":"0","IsCharges":"1","Year":"1","StarNum":"1","UpdateAndClientSort":"51559337","StandUrl":"/st128861","UpdateTime":"2024/12/23 7:37:36","TodayIsUpdate":"1","AttType":"0","AttState":"3","AttAddType":"0","IsSeoCreate":"0","IsOnlinePay":"0","MinPrice":"0.00","MaxPrice":"0.00","ClassID":"21002","productonlinetime":"1900/1/1 0:00:00","OnLineDate":"1900/1/1 0:00:00","DownLineDate":"1900/1/1 0:00:00","BrandPicDomin":"","BrandPicName":"","BrandProperty":"","PBrandID":"0","IsHadVideo":"0","VideoTime":"0","ShowPrice":"0.00","IndustrySort":"1020000","HasPicSort":"102750662","UserID":"141850","PriceType":"0","PictureID":"1685260","CompanyTypeID":"5","Tag":"","LinkMan":"田雨","TelPhone":"86-0531-62325085","ClassName":"其它","ComProduct":"可燃氣體檢測儀、可燃氣體報警器、天然氣檢測儀、天然氣報警器、便攜式氣體檢測儀","BrandNameCH":"","IsShow":"1","MarketPrice2":"0","RetailPrice":"0","ComHitnumber":"33821","MarketUpdateTime":"","CreateTime":"2023/5/24 19:15:36","Flag":"1","PackageName":"營銷寶會員","ClientSort":"0","CsName":"","Reprint":"2","FeedBackMsg":"","EnUrl":"","MobilePhone":"13082753136"}]