以民为本,大胆创新——政策性农业保险在基层实施的相关研究

政策性农业保险自2007年开展试点以来取得了不错的成效,然而在县级基层商业保险公司的运营中也暴露出不少问题。作者对人保财险营山支公司做了实践调研以后发现问题主要体现在道德风险、理赔不规范、公司动力不足三个方面。针对这些问题,作者提出可以通过升级农险服务站、加大宣传教育力度、充实人力物力资源甚至改善政策性农险制度加以解决。

Since policy agriculture insurance started in 6 experiment provinces in 2007, it has gotten good effect. However, there still exist some problems in the operation of county insurance companies. Using subdivision of the branch company of PICC in Yingshan County as an example, the main problems are moral hazard, abnormal claim activities, lack of enthusiasm. Through upgrading service station of policy agriculture insurance, strengthening propaganda and education, enriching human and physical resources, or even reforming system of policy agriculture insurance, these problems could be solved.