摘要
农业保险是农村金融的重要组成部分,是支持乡村振兴战略的“农业支持保护制度”之一。基于功能分解的思路解析农业保险支持乡村振兴的理论逻辑与路径,揭示农业保险支持乡村振兴发展的主要障碍并提出政策建议。研究发现,农业保险所具有的转移风险、补偿因灾损失、资金融通、承载支农惠农工具与社会管理等功能能够促进乡村产业、人才、文化、生态和组织振兴发展。但当前我国部分农户投保积极性不足且在农业保险产品创新、服务水平与支持政策等方面尚存在一些问题,制约农业保险支持乡村振兴。基于此,应加大农业保险宣传力度和产品创新力度、提升农业保险服务水平、优化农业保险支持政策,让农业保险更好地服务于乡村振兴。
Agricultural insurance is an important component of rural finance and one of the“agricultural support and protection systems”that support rural revitalization strategies.This article analyzes the theoretical logic and supporting paths of supporting rural revitalization based on functional decomposition,reveals the main obstacles of agricultural insurance supporting rural revitalization development,and proposes policy recommendations.The study finds that the functions of agricultural insurance,such as transferring risks,compensating for losses due to disasters,financing,carrying tools for supporting and benefiting agriculture and social management,can promote the revitalization and development of rural industries,talents,culture,ecology and organizations.However,currently,some farmers in China have insufficient enthusiasm for insurance and there are still some problems in agricultural insurance product innovation,service level,and support policies,which restrict agricultural insurance support for rural revitalization.Based on this,efforts should be made to increase the promotion and product innovation of agricultural insurance,improve the level of agricultural insurance services,optimize agricultural insurance support policies,and better serve rural revitalization.
作者
侯代男
王鑫
HOU Dai-nan;WANG Xin(School of Business,Minnan Normal University,Zhangzhou Fujian,363000;School of Life Sciences,Longyan College,Longyan Fujian,364012;Chinese International College,Dhurakij Pundit University,Bangkok Thailand,10210)
出处
《山西大同大学学报(社会科学版)》
2023年第5期143-147,共5页
Journal of Shanxi Datong University(Social Science Edition)
基金
2021年福建省社会科学基金项目“福建省农业保险对乡村振兴的影响效应及支持路径研究”(FJ2021BF038)
2022年福建省社会科学基金项目“两岸产业竞合测度及融合发展路径探索研究”(FJ2022BF077)
2022年福建省中青年教师教育科研项目(社科类)一般项目“新形势下福建省社区卫生服务供给体系优化路径研究”(JAS22076)。
关键词
农业保险
功能分解法
乡村振兴
理论逻辑
支持路径
agricultural insurance
functional decomposition method
rural revitalization
theoretical logic
support path