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湖北省从1983年开始试办耕牛保险,至1994年的12年间,累计承保耕牛484.2万头次,保费收入20365.3万元;支出赔款8005.1万元、平均赔付率为77.2%.最近,我们对随州、襄樊、荆沙等7个地、县市的实地调查感到,耕牛保险这一险种切实成了发展农村保险的开路险种;另一方面,耕牛保险已是当地人保公司有规模,有效益的拳头险种,1994年耕牛保险保费收入占全省两业险业务收入的42%.湖北省的耕牛保险之所以取得这样较为显著的成绩,我们认为,主要有以下几个方面的经验作法.
Hubei Province started trial cattle insurance in 1983 and, in the 12 years 1994 to 1994, a total of 4,842,000 first-time cattle breeds were insured, with a premium income of 20.353 million yuan and an expenditure of 80.551 million yuan, with an average compensation rate of 77.2%. Recently, we On the basis of field surveys in 7 prefectures and counties and cities in Suizhou, Xiangfan and Jingsha, the insurance for cattle insurance has become an open-cut insurance for the development of rural insurance; on the other hand, Effective fist insurance, insurance premium income of cattle insurance in 1994 accounted for 42% of the province’s business income of the two insurances.However, Hubei Province, the reason why cattle insurance achieved such a significant result, we believe that the following aspects Experience.