新疆农业保险发展综述及未来发展方向思考  

A Summary of Agricultural Insurance Development in Xinjiang and the Thinking of Its Future Development Direction

作　　者：郝宏展 孙家瑜[1] Hao Hongzhan;Sun Jiayu(Institute School of Economics and Management,Shihezi University,Shihezi 832000,Xinjiang)

机构地区：[1]石河子大学经济与管理学院,新疆石河子832000

出　　处：《农业展望》2023年第10期44-52,共9页Agricultural Outlook

基　　金：2021年度石河子大学自主资助支持校级科研项目(石大科发[2021]23号);兵团棉花价格保险助力农户增收机制研究(ZZZC20216)。

摘　　要：中央和新疆地方政府的引导和推动以及市场的内生动力使新疆农业保险市场的规模以及保险深度和保险密度增长迅速,最近若干年连续处于全国前列,对于服务新疆“三农”起到了重要作用,但新疆农业保险在发展过程中在较长时期内存在不少难点问题。在对近年关于新疆农业保险问题相关文献进行系统梳理的基础上,归纳总结该领域遇到的困难,包括新疆农业保险需求影响因素复杂多样,地区差异明显、农业保险创新产品市场拓展阻力较大、兵地农业保险差异使农业保险的推进存在特有难题,该行业的运行效率未达最佳水平以及该行业发展与相关宏观经济变量协同效应有待提高。基于此,在政府层面,新疆农业保险保持稳定快速发展需要在政府补贴上进一步精准化,推动政企学研的融合发展,推动“保险+金融”服务体系的改革创新和农村技术培训内容和形式的创新;在保险公司层面,需要从宣传、产品创新推广和进一步优化理赔程序3个方面持续发力。最后,对新疆农业保险未来的发展和研究方向做了思考。The guidance and promotion of the central and local governments in Xinjiang and the endogenous driving force of the market have led to the rapid growth of the scale,insurance depth and insurance density of the agricultural insurance market in Xinjiang,which has been in the forefront of the country in recent years.It has played an important role in serving the agriculture,rural areas and farmers in Xinjiang,but there are many difficult problems in the development of agricultural insurance in Xinjiang for a long time.On the basis of systematically combing the relevant literature on agricultural insurance in Xinjiang in recent years,the difficulties encountered in this field were summarized,including the complexity and diversity of influencing factors of agricultural insurance demand in Xinjiang,obvious regional differences,great resistance to market expansion of agricultural insurance innovative products,differences in agricultural insurance in military areas,unique problems in the promotion of agricultural insurance,the operating efficiency of the industry has not reached the best level,and the synergistic effect between the industry development and relevant macroeconomic variables needs to be improved.Based on this,at the government level,the stable and rapid development of agricultural insurance in Xinjiang needs further precision in government subsidies to promote the integrated development of government,enterprise,university and research institute,and to promote the reform and innovation of the"insurance+finance"service system and the innovation of the content and form of rural technical training.At the level of insurance companies,continuous efforts need to be made from three aspects:publicity,product innovation promotion and further optimization of claims settlement procedures.Finally,the future development and research direction of agricultural insurance in Xinjiang were considered.

关 键 词：新疆 农业保险 精确承保 精准理赔 研究综述 发展方向 

分 类 号：F842.66[经济管理—保险] F327