我国水产养殖业保险发展特点、问题和建议  

The development characteristics,questions and suggestions of aquaculture insurance in china

作　　者：张成[1] 龙文军[2] 王瑞民[3] 

机构地区：[1]中国农业科学院农业经济与发展研究所,北京100081 [2]农业部农村经济研究中心,北京100810 [3]中国人民大学汉青经济与金融研究院,北京100872

出　　处：《中国渔业经济》2013年第6期5-10,共6页Chinese Fisheries Economics

基　　金：国家社科基金课题<健全政策性农业保险制度>(09BJY110)的部分成果

摘　　要：我国水产养殖保险处于起步阶段,产业间、地区间发展水平不一,商业保险和互助保险模式并存。水产养殖业具有投入高、产出高和风险高的特点,其发展迫切需要保险予以支持。水产养殖保险已经包含在农业保险体系中,各地也积累了水产养殖保险的部分经验并开展了相关技术研究。但该行业发展面临承保操作难度大、灾后查勘定损难、财政补贴体系尚不健全、道德风险防控难等挑战,需要从明确定位、完善体系、争取扶持、扩大试点、健全机制等方面加以解决。With different levels of development between industry and regions, Insurance in china is still in its infancy. Commercial insurance and mutual insurance models coexist in Insurance in china. Due to the high input, high output and high-risk characteristics of aquaculture, there exists urgent need for the development of the aquaculture insurance. Aquaculture Insurance is included in the agricultural insurance system. Some experience has been accumulated in aquaculture insurance and related research has been carried out. However, the aquaculture insurance is facing great difficulties in operations, post-disaster damage survey, unsound financial subsidy system, ethical risk prevention and control. Something is needed to do in clearing position, improving the insurance system, acquiring support, expanding the demonstration, completing mechanism.

关 键 词：渔业 养殖 保险 互助保险 

分 类 号：F326.401[经济管理—产业经济]