内蒙古蔬菜产业发展现状及保险保障的研究

Research on the Development Sstatus and Insurance Guarantee of Vegetable Industry in Inner Mongolia

作为世界上最大的蔬菜生产国和消费国,蔬菜产业是我国“大食物观”下重要的食物保障供给体系。该研究立足于将发展蔬菜生产作为调整农业产业结构和增加农民收入重要举措的内蒙古,通过分析内蒙古蔬菜产业发展现状及面临的风险状况,进而识别内蒙古蔬菜产业保险保障体系的成效与不足,以期为内蒙古蔬菜产业发展提供参考依据。结果表明:当前内蒙古蔬菜产业保险保障体系存在着露地蔬菜保险小范围试点与大范围种植的保险需求不匹配、统一化费率与区域风险不匹配、承保机构频繁变动与保险精深细作的要求不匹配、政策性蔬菜保险的保障水平较低的问题,并提出以下措施进一步完善内蒙古蔬菜保险保障体系,扩大露地蔬菜保险试点范围,推动农牧业保险与现代农业深度融合;进行风险区划,科学设定保险费率;建立完善的农业保险机构服务考评机制,适当延长优秀保险机构的服务期限;提高政策性蔬菜保险的保障水平,助力多元化蔬菜保险供给体系建设。

As the world′s largest producer and consumer of vegetables,the vegetable industry was considered an important food security supply system under‘big food concept’of China.This study was based on the development of vegetable production as an important measure to adjust the structure of the agricultural industry and increase farmers′income in Inner Mongolia.The current situation of vegetable industry development and the risk situation faced by the industry in Inner Mongolia were analyzed,and then the effectiveness and shortcomings of the insurance protection system of the vegetable industry in Inner Mongolia were identified,in order to provide reference for development of vegetable industry of Inner Mongolia.The results showed that the current insurance protection system of the vegetable industry in Inner Mongolia had the following problems,there was a mismatch between the small-scale pilot of open field vegetable insurance and the insurance demand of large-scale cultivation a mismatch between the unified rate and the regional risk,a mismatch between frequent changes of underwriting institutions and the requirements of insurance deep and detailed cultivation,and a low level of protection of policy-based vegetable insurance.The following measures were proposed to further improve Inner Mongolia′s vegetable insurance system,expanding the pilot scope of open-field vegetable insurance,promoting the deep integration of agricultural and animal husbandry insurance with modern agriculture;conducting risk zoning and setting insurance premium rates scientifically;establishing a perfect service evaluation mechanism for agricultural insurance institutions,and appropriately prolonging the service period of outstanding insurance institutions;improving the level of protection of policy-based vegetable insurance,and contributing to the construction of a diversified vegetable insurance supply system.