贵州开展农村互助合作保险的探析

Investigation and Analysis of the Establishment of Rural Mutual Cooperation Insurance in Guizhou

贵州农村经济落后,自然灾害频发,农民生活困难,抵御灾害损失能力弱,而农村保险由于种种原因,发展受到限制,为了更好地发挥保险在农村的补偿及管理作用,农村互助合作保险模式可以作为突破点,进一步发展贵州农业及农村保险。本文分析了贵州开展农村互助合作保险的必要性和可行性,在借鉴国内外农村互助合作保险试点经验的基础上,提出了贵州开展农村互助合作保险的建议。

Since the economy in the rural areas in Guizhou was less developed coupled with frequent natural disasters,the peasants＇ life was difficult and the resistance of casualty loss was vulnerable.As a result,development of insurance was limited by many causes.In order to develop compensation and management from the insurance＇s functions,rural mutual cooperation insurance model can be taken for breakthrough to develop agriculture and insurance in the countryside.This paper aims to analyze the necessity and feasibility of developing rural mutual cooperation insurance in Guizhou and to make suggestions by drawing experience from both domestic and foreign pilot projects.