莆田市农业保险现状与对策研究

Research on Present Situations and Countermeasures of Agricultural Insurance in Putian City

对农业保险在莆田市的开展情况加以分析,采取定量研究和定性研究相结合的方法,通过收集各项有关数据进行对比分析并提出相关对策。总体而言,莆田市整体农业保险发展趋势较好,但险种单一、保险公司赔付率高、农民投保意识薄弱、有效需求度不高等问题仍是阻碍农业保险健康发展的重要因素。除此之外,根据农业风险的种类对需要投保的项目进行归类,并根据因地制宜的原则提出了应增加险种,扩大农业保险的覆盖面等建议。

This article analyzes the development of agricultural insurance in Putian City by the combination of quantitative and qualitative methods.The research collects and analyzes related data and puts forward relevant measures.Overall, the agricultural insurance development in Putian City is quite good,but there are still some important factors that hinder the healthy development of agricultural insurance.Among these include the singularity of insurance type,the high insurance company pay rate,weak awareness of insurance among farmers,low effective demand.In addition, according to the type of agricultural risks,the articles categorizes the insurance items and advances some advices such as increasing insurance types and expanding the targets of agricultural insurances according to the principle of local conditions.