产业化视角下福建农业保险经营模式优化

Optimization of the Business Model of Agricultural Insurance in Fujian under the Perspective of Industrialization

农业保险发展的成功,关键在其经营模式的正确选择。福建农业保险原有模式的缺陷与不足随着农业产业化的发展逐渐凸显,究其原因,主要在于农业保险原有模式未能与农业产业化发展趋势及不断发展的省情、农情相适应。因此,构建科学合理的农业保险模式成为推动农业保险发展的关键。必须从农业产业化发展视角,在均衡农业保险相关利益主体、优化农业保险供给主体,建立省域农业保险制度等方面对农业保险经营模式进一步优化与完善,探索出更适合福建农业产业化及农业保险发展的经营模式。

The key to the success of the development of agricultural insurance lies in the correct choice of its business model.The flaw and deficiency of the original model of Fujian agricultural insurance have gradually become prominent with the development of agriculture industrialization.The main reason therein is that the original model of agricultural insurance does not fit in with the development trend of agriculture industrialization and the continuously developing situation of the province and its agriculture.Therefore,the crux for boosting the development of agricultural insurance is to construct a scientific and reasonable agricultural insurance mode.The article,based on the perspective of agricultural industrialization development,further optimizes and perfects the business model of agricultural insurance from the aspects of balancing the relevant interest subjects of agricultural insurance,optimizing the supply bodies of agricultural insurance and establishing aprovince-wide system of agricultural insurance,in the hope of exploring a business model that better fits the agriculture industrialization and the development of agricultural insurance in Fujian province.