我国政策性渔业保险发展探析

Development of policy-based fishery insurance in China

渔业保险是由保险机构为渔业生产者在水产养殖及捕捞作业过程中,所遭受的自然灾害及意外事故造成的经济损失提供经济补偿的一种保险。渔业保险作为农业保险重要的组成部分,是建立渔业社会保障体系的重要内容,其发展的好坏直接关系到渔业的持续健康发展,关系到我国广大渔民的根本利益。本文通过对我国渔业保险状况进行分析,为我国渔业保险选择合适的保险模式,以推行政策性渔业保险提出了有益的建议。

Fisheries insurance is a kind of insurance which provides the financial compensation by the insurance institute for aquaculture producers suffered economic losses resulting from the natural disasters and accidents in the fishing process. As an important component of the agricultural insurance, the fishery insurance is directly related to the sustainable development of fisheries, and also related to the fundamental interests of the majority of fishermen. Based on the analysis of fishery state, author has proposed some suggestions on selecting the appropriate fisheries insurance model and implementing the policy-based fishery insurance.