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渔业是高投入高风险行业之一,由于渔业的组织化程度较低,渔民抗风险能力脆弱,迫切需要渔业保险提供保障。在商业保险逐步退出市场情况下,渔业互保协会遵循“互助共济,服务渔业”的宗旨组织渔民开展互肋保险,成效显著。近年,又积极争取国家政策和资金的支持,开展政策性渔业互助保险试点工作,探索出一条国家政策引导、渔民参保互助、财政保费及费用补贴和互保协会基础运作的渔业保险新途径。山东的渔业保险事业在山东省渔业互保协会的努力下不断发展壮大,本文通过对山东渔业互助保险运营状况的调查分析,提出进一步完善山东政策性渔业互助保险的对策建议。
Fishery is one of the high-input high-risk industries. Due to the low degree of organization of fisheries and the vulnerability of fishermen to risks, there is an urgent need for protection of fishery insurance. Under the circumstance that commercial insurance is gradually withdrawn from the market, the fishery mutual insurance association follows the principle of “mutual aid and mutual assistance, serving the fishery” and organizes fishermen to carry out cross-border insurance with remarkable results. In recent years, it has also actively sought the support of state policies and funds and piloted the pilot fishery mutual aid insurance policy. It has also explored a new approach to fishery insurance that is guided by national policies, fishermen’s mutual aid and mutual assistance, financial premiums and subsidies, and the foundation operation of mutual insurance associations. Shandong’s fishery insurance business has continued to grow and develop under the efforts of Shandong Fisheries Mutual Insurance Association. Based on the investigation and analysis of the operation status of fishery mutual insurance in Shandong, this paper puts forward some countermeasures and suggestions for further improving the policy-oriented fishery mutual insurance in Shandong.