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互助合作保险是有别于商业保险的一种生产者风险共济的非营利保险,它的出现在一定程度上弥补了渔业保险市场的供给不足。与农业保险一样,渔业互助合作保险的发展同样离不开政府的财政支持。本文通过浙江的实践,验证了补贴政策对提高渔民参保积极性、促进渔业互助合作保险规模具有显著影响。同时,提出完善渔业互助合作保险补贴政策的一些建议。
Mutual-aid cooperative insurance is a kind of non-profit insurance that is different from the risk-sharing of commercial insurance. Its emergence can make up for the insufficiency of the supply of fishery insurance market to a certain extent. Like agricultural insurance, the development of cooperative fishery cooperative insurance can not be separated from the government’s financial support. Through the practice of Zhejiang, this paper verifies that the subsidy policy has a significant impact on improving the enthusiasm of fishermen insured and promoting the cooperative insurance scale of fishery. At the same time, some suggestions on improving the policy of subsidies for fishery cooperation and cooperation are put forward.