补贴政策对渔业互助合作保险发展的影响分析:基于浙江的数据

Analysis on the Impact of Subsidies for Fishery Mutual-cooperation Insurance Development:Based on the Data from Zhejiang Province

互助合作保险是有别于商业保险的一种生产者风险共济的非营利保险,它的出现在一定程度上弥补了渔业保险市场的供给不足。与农业保险一样,渔业互助合作保险的发展离不开政府的财政支持。本文基于实证视角,从渔民入会参保和捕捞生产两个方面来分析补贴政策对渔业互助合作保险的影响,对补贴政策所产生的效应进行大致判断,同时对完善渔业互助合作保险补贴政策提出一些建议。

Mutual-cooperation insurance is a kind of non-profit insurance different from the commercial insurance. It makes up for the lack of supply of fishery insurance to some degree. Just as agricultural insurance, fishery mutual cooperation insurance cannot develop without the fiscal support from the government. This paper, based on the empirical perspective, analysed the subsidy policies＇ influence on fishery mutual cooperation insurance from the two aspects of fishermen participation rate and fishing production, and formed our judgment on the effect of the subsidies. In the meantime, the paper also offered some constructive advice on the enhancement of fishery mutual-cooperation insurance and the subsidy policy.