四川省农业保险的现状与问题研究——以成都市为例

Current Situation and Problems of Agricultural Insurance in Sichuan Province——A Case Study of Chengdu

[目的/意义]农业的发展需要农业生产风险防控措施作保障。文章以成都市为例对四川省农业保险进行研究,可为农业保险相关研究提供理论和实践支持。[方法/过程]通过整理和分析相关数据与政策,总结了成都市农业保险的发展现状与特点;同时对四川省农业保险发展影响因素进行实证检验。[结果/结论]农村居民人均可支配收入、农村人口数、农业总产值、大灾风险对农业保险都具有正向影响。四川省农业保险费率和保险金额仍需调整,保费补贴绩效评价工作有待完善,特色农业保险险种有待增加,参保农户覆盖面有待提高。

[Purpose/Significance] The development of agriculture requires measures of risk prevention and control of agricultural production as guarantee. This paper takes Chengdu as an example to study the agricultural insurance in Sichuan Province in order to provide favorable theoretical and practical support for related research.[Method/Process] Through the collation and analysis of relevant data and policies, this paper summarizes the development status and characteristics of agricultural insurance in Chengdu. At the same time, it tests empirically the influencing factors of agricultural insurance development in Sichuan Province.[Result/Conclusion] The per capita disposable income of rural residents, the number of rural population, the total agricultural output value, and the risk of major disasters have a positive impact on agricultural insurance.Still, the following things should be done: adjusting the agricultural insurance premium rate and insurance amount,perfecting the performance evaluation of premium subsidy,increasing the characteristic agricultural insurance, and improving the coverage of participating farmers.