论文部分内容阅读
保险契约是农业保险的主要载体和核心内容,契约执行是农业保险运行的关键。以近5年我国农业保险取得阶段性成功为背景,以契约执行为视角,通过试点地区实证调查,考量农业保险运行绩效。研究表明,我国农业保险契约从认知、订立、执行、通融赔付到监督等全过程仍然存在很多问题,核心是主体权责不明,关键是监管不力,根源是制度缺失。因此,提高农业保险运行效率,当务之急是以主体为突破点,实现保险契约内容,根本之策是以制度为基础,构建农业保险监管机制,最终促进农业保险可持续发展。
Insurance contract is the main carrier and core of agricultural insurance. Contract enforcement is the key to agricultural insurance operation. Taking the success of China’s agricultural insurance in the recent five years as the background, taking the implementation of contract as the perspective, the paper examines the performance of agricultural insurance through the pilot survey in the pilot area. The research shows that there are still many problems in the whole process of the agricultural insurance contract in our country from cognition, conclusion, implementation, financing and payment to supervision. The core is the unclear rights and responsibilities of the main body. The crux of the regulation is the lack of supervision. Therefore, to improve the efficiency of agricultural insurance operation, the most urgent task is to take the main body as a breakthrough point to realize the contents of the insurance contract. The fundamental policy is based on the system to build the agricultural insurance regulatory mechanism and ultimately promote the sustainable development of agricultural insurance.