中国相互制农业保险的现状与发展  

Analysis on Statas and Development of Mutual Agriculture Insurance in China

作　　者：叶琪[1] 

机构地区：[1]中央财经大学保险学院,北京100081

出　　处：《广西财经学院学报》2015年第1期36-40,49,共6页Journal of Guangxi University of Finance and Economics

摘　　要：十八届三中全会关于改革的倡导,不断推动中国保险业进行结构调整以及创新。相互制保险作为一种成熟的农业保障形式,在我国的发展一直停滞不前。而农业保险发展面临困境,急需这种"新"模式的助推。通过分析农业保险公司(阳光农险、安华、安信、国元)的三年财务数据,得出结论:相互制保险公司具有一定的经营优势。但同时相互制保险公司在经营过程中仍面临着许多制度障碍。通过对各经营环节的分析,为相互制保险公司的发展提出思考方向。The 3rd Plenary Session of the 18th Central Committee advocated constant improvement of adjustment and innovation on the structure of China＇s insurance industry. Although it is a mature form of protection for agriculture,the development of mutual insurance has been stagnant. However,the development of agricultural insurance is facing difficulties and this ＇new＇mode is badly needed. By analyzing 3 years＇ financial data of the agricultural insurance companies （Sunlight,An Hua,An Xin and Guo Yuan）,we conclude that mutual insurance companies have some business advantage. But at the same time mutual insurance companies still face systematic obstacles in the business process. By analyzing each step of the business process,the paper provides a perspective for the development of mutual insurance companies.

关 键 词：相互制农业保险 财务分析 发展障碍 

分 类 号：F840.66[经济管理—保险]