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一、烤烟生产保险的特点(一)烤烟保险是具有社会福利性质的业务,经济效益低而社会效益好。开展烤烟保险,收费不多,承担风险大责任广泛,赔付率高。就祥云县而论,近十年来烤烟种植面积在10万亩左右,农村富裕起来了,主要靠烤烟收入。烤烟保险社会效益好,但公司经济效益差。1992年度烤烟保险收费111,309元,赔款达188,802元,赔付率为169.6%;1993年度烤烟保费收入129,000元,赔款171,000元,赔付率为132.6%。我们办理这一险种,是为老百姓办实事、办好事,使广大群众认识到保险
First, the characteristics of flue-cured tobacco production insurance (A) Flue-cured tobacco insurance is a social welfare nature of the business, low economic efficiency and good social returns. To carry out flue-cured tobacco insurance, small fees, risk-taking a wide range of responsibility, high payout rate. In terms of Xiangyun County, the planting area of flue-cured tobacco in the recent decade is about 100,000 mu. The rural areas have become prosperous, mainly relying on the income of flue-cured tobacco. Social benefits of flue-cured tobacco insurance are good, but the economic benefits of the company are poor. In 1992, the insurance fee for flue-cured tobacco was 111,309 yuan, with compensation amounting to 188,802 yuan and the loss-making rate of 169.6%. The 1993 annual premium income of tobacco was 129,000 yuan, with compensation of 171,000 yuan and the loss-making rate of 132.6%. We handle this insurance is to do practical things for the people, good things, so that the general public recognize the insurance