基于财务稳定性基础上的民族地区蔬菜保险模式探讨

Discussion of Vegetable Insurance Model in Ethnic Regions on the Basis of Financial Stability

2008年以来,国内保险市场陆续推出蔬菜保险业务;2015年起,我国一些民族地区亦开展了蔬菜保险业务。蔬菜种植是民族地区创收脱贫的重要途径之一,也是一些民族地区精准扶贫的主要措施,蔬菜保险是其重要保障,作用明显,应大力推广。根据民族地区实际,民族地区蔬菜保险可分为种植保险和价格保险两大类;开展民族地区蔬菜保险,应基于财务稳定性原理,参考借鉴社会保险和商业保险的成功经验,遵循原保险与再保险原则,做好保险费率厘定,设计好保险定价模型,使之符合稳价惠农、促进蔬菜产业化发展、体现保险业参与作用和农业保险创新发展理念的要求。同时,应发挥政府宏观调控职能和保险公司经营积极性,实现双赢,为促进民族地区经济发展、精准扶贫和全面建设小康社会服务。

Since 2008, vegetable insurance business started in domestic insurance market, and from 2015, the business developed in some ethnic areas in China. Vegetable cultivation is one of the important ways to create income and alleviate poverty in ethnic regions and also the major targeted measure in poverty alleviation in some ethnic areas. As an important guarantee with obvious effect, vegetable insurance should be vigorously promoted. According to the real situation of ethnic regions, it can be divided into two major types： planting insurance and price insurance. In ethnic regions, vegetable insurance should be carried out on the basis of financial stability principle, by taking successful experiences of social insurance and commercial insurance as reference, following the principle of original insurance and reinsurance, making correct insurance premium rate, and designing insurance pricing model to make it meet the requirements of benefiting farmers with stable prices, promoting the development of vegetable industrialization, and playing the role of insurance in participation and innovative development of agricultural insurance. Meanwhile, the government should exert micro - control function, give a full play to the enthusiasm of insurance companies to realize win - win, and serve for the economic development, targeted poverty alleviation and building a well - off society in an all - round way in ethnic regions.