推动皖江经济带农业保险高质量发展研究  

Research on Promoting the High Quality Developmentof Agricultural Insurance in the Wanjiang Economic Belt

作　　者：刘琼[1] 代金宏 王小娜 LIU Qiong;DAI Jinhong;WANG Xiaona(Tongling University,Tonging,Anhui 244000,China)

机构地区：[1]铜陵学院,安徽铜陵244000

出　　处：《山东商业职业技术学院学报》2023年第5期19-23,共5页Journal of Shandong Institute of Commerce and Technology

基　　金：2023年教育部中西部高校青年骨干教师国内访问学者项目;2022年高校优秀青年骨干教师国内访问研修项目(gxgnfx2022065);安徽省传统专业改造提升项目(2021zygzts064);2019年度校级科研计划项目“我国专业互联网保险公司经营效率研究”(2019tlxy17);2022年度校级科研计划项目“大宗商品价格波动对长三角地区经济运行的影响研究”(2022tlxy07)。

摘　　要：从市场主体、保费收入、赔付支出、保险密度以及保险深度等方面分析皖江经济带农业保险发展现状。研究发现:皖江经济带农业保险存在风险保障水平偏低,减损效果不明显;农户风险防范意识薄弱,投保积极性不高;保险赔付率波动大,经营主体面临的风险高;极端天气增加、巨灾风险分散机制不完善等问题,针对问题提出了具体的对策建议,以推动皖江经济带农业保险高质量发展,为其他地区农业保险发展提供经验和借鉴。The development status of agricultural insurance in Wanjiang Economic Belt was analyzed from the aspects of market players,premium income,claims expenditure,insurance density and insurance depth.The results show that the risk protection level of agricultural insurance in Wanjiang Economic Belt is low,and the loss reduction effect is not obvious;Farmers'awareness of risk prevention is weak,and their enthusiasm for insurance is not high.The insurance loss rate fluctuates greatly,and the business entity faces high risk;Specific policy suggestions were put forward to promote the high-quality development of agricultural insurance in Wanjiang Economic Belt and provide experience and reference for the development of agricultural insurance in other regions.

关 键 词：皖江经济带 农业保险 高质量发展 

分 类 号：D922[政治法律—法学]