中国渔业保险现状分析和发展模式探索

A research on status and Development Mode of China's Fisheries Insurance

近三十年的实践,中国渔业保险取得了一定成绩,但也存在不少问题。从国内最新研究成果来看,政策性渔业保险是发展主要趋势,渔业保险需"政府和市场"双驱动,在中国渔业保险面临诸多问题与挑战情况下,需要根据中国渔业保险区域性特征与经验,总结借鉴国际经验,设计中国渔业保险的发展模式。中国当前渔业保险法律基础有待进一步完善,渔业保险管理体制有待进一步理顺,渔业保险政策性扶持有待进一步加强,渔业保险市场均衡水平有待进一步提高,渔业保险发展模式的全国统筹的顶层设计有待探索。从而需要,重视法律制度的完善,发挥法律保障作用;重视国家财税制度的加强,发挥政策引导作用;重视保险模式框架设计,发挥全国统筹规划作用。

China has made some achievements on fisheries insurance in practice during nearly three decades, but at the same time there are still many problems. From the domestic point of view on latest research, the insurance policy is one of the major development trends in fisheries, the development of fisheries insurance needs ＂Government and Market＂ dual-drive, and in the situation that China＇s fisheries insurance faces many problems and challenges, it is necessary for China to design development model of China＇s fisheries insurance by considering China＇s regional fisheries insurance characters, experience and international experience. At present, China＇s fisheries insurance legal basis needs to be improved, fisheries insurance management system needs to be further rationalized, the insurance policy to support fishery needs to be further strengthened, fisheries insurance market equilibrium needs to be further improved, and fisheries development model of the insurance co-ordination of national top-level design needs to be explored. Which need attention to improving the legal system to play the role of legal protection; attention to strengthening national taxation system to play the role of policy guidance; and attention to the insurance model framework design to play a role of overall planning in the country.