论文部分内容阅读
2008年以来,国内保险市场陆续推出蔬菜保险业务;2015年起,我国一些民族地区亦开展了蔬菜保险业务。蔬菜种植是民族地区创收脱贫的重要途径之一,也是一些民族地区精准扶贫的主要措施,蔬菜保险是其重要保障,作用明显,应大力推广。根据民族地区实际,民族地区蔬菜保险可分为种植保险和价格保险两大类;开展民族地区蔬菜保险,应基于财务稳定性原理,参考借鉴社会保险和商业保险的成功经验,遵循原保险与再保险原则,做好保险费率厘定,设计好保险定价模型,使之符合稳价惠农、促进蔬菜产业化发展、体现保险业参与作用和农业保险创新发展理念的要求。同时,应发挥政府宏观调控职能和保险公司经营积极性,实现双赢,为促进民族地区经济发展、精准扶贫和全面建设小康社会服务。
Since 2008, the domestic insurance market has launched the vegetable insurance business. Since 2015, some ethnic areas in China have also started the vegetable insurance business. Vegetable cultivation is one of the important ways for poverty-stricken people in ethnic areas to make their own income. It is also the main measure for precision-oriented poverty alleviation in some minority areas. Vegetable insurance is an important guarantee and has obvious effects. It should be vigorously promoted. According to the actual situation in ethnic regions, ethnic vegetable insurance can be divided into two categories: planting insurance and price insurance. To carry out vegetable insurance in minority areas, based on the principle of financial stability, refer to the successful experience of drawing social insurance and commercial insurance, follow the rules of original insurance and reinsurance Principle, do a good job in determining the insurance premium rate, design a good insurance pricing model, make it in line with the principle of stabilizing the price and benefiting farmers, promoting the industrialization of vegetables, reflecting the participation of the insurance industry and the concept of innovative development of agricultural insurance. At the same time, we should give play to the government’s macro-control function and the enthusiasm of insurance companies to achieve a win-win situation and serve the economic development in ethnic areas, poverty alleviation and building an overall well-to-do society.