浙江省政策性农业保险机制创新回顾与改革对策研究

doi:10.3969/j.issn.1004-1524.2022.05.23

浙江农业学报 ›› 2022, Vol. 34 ›› Issue (5): 1081-1090.DOI: 10.3969/j.issn.1004-1524.2022.05.23

浙江省政策性农业保险机制创新回顾与改革对策研究

郭亮玺¹(), 胡豹²^,^*()

1.浙江工商大学金融学院,浙江杭州 310018
2.浙江省农业科学院农村发展研究所,浙江杭州 310021

收稿日期:2021-11-29 出版日期:2022-05-25 发布日期:2022-06-06
通讯作者: 胡豹
作者简介:* 胡豹,E-mail: jxhubao@sina.com
郭亮玺(1981—),男,山西晋中人,博士,副研究员,主要从事风险管理研究。E-mail: 5275642@qq.com
基金资助:
国家社会科学基金重大项目(18ZDA045)

Review on mechanism innovation and countermeasures of policy-oriented agricultural insurance in Zhejiang Province, China

GUO Liangxi¹(), HU Bao²^,^*()

1. School of Finance, Zhejiang Gongshang University, Hangzhou 310018, China
2. Institute of Rural Development, Zhejiang Academy of Agricultural Sciences, Hangzhou 310021, China

Received:2021-11-29 Online:2022-05-25 Published:2022-06-06
Contact: HU Bao

摘要/Abstract

摘要：

政策性农业保险是为克服农业保险市场失灵而产生的一项制度创新,是保障农业生产经营正常运转的重要手段。浙江省政策性农业保险工作走在全国前列,创造了“共保体模式”等众多的制度供给成果,积累了政府主推、市场运作、农户自愿的“三大主体协作”,保成本、保大灾、保大户的“三大保障方向”,中央补贴、省级补贴、县级补贴“三级保费补贴”等丰富的实践运行经验。本文系统总结了浙江政策性农业保险的制度框架、险种开办、保障程度、保费补贴、风险控制、机构考评等运行机制、体制创新和取得的成效。针对全面推进乡村振兴等新时代背景,为进一步完善创新这一制度,提出推动新时代政策性农业保险高质量发展,建立共同富裕的保险政策支撑机制,完善种业、粮食和生猪的政策保险制度,深化政策性农业保险领域的数字化改革等相关改革对策。

关键词: 政策性农业保险, 运行机制, 改革对策, 浙江省

Abstract:

Policy-oriented agricultural insurance is an institutional innovation to overcome the failure of agricultural insurance market. It is an important means to ensure the normal operation of agricultural production and operation. Zhejiang Province’s policy-oriented agricultural insurance work is at the forefront of China, and has created a large number of institutional supply achievements such as the “co-insurance model”, and has accumulated rich practical operation experiences, such as the “three main body cooperation” mainly promoted by the government, market operation and farmers’ voluntary, the “three guarantee directions” of ensuring costs, disasters and large households, and the “three-level premium subsidies” of central subsidies, provincial subsidies and county-levl subsidies. In the present study, we systematically summarize the institutional framework, insurance types, guarantee degree, premium subsidy, risk control, institutional evaluation and other operating mechanisms, institutional innovation and achievements of policy-oriented agricultural insurance in Zhejiang Province. In view of the background of comprehensively promoting rural revitalization in the new era, relevant reform countermeasures are put forward, such as promoting the high-quality development of policy agricultural insurance in the new era, establishing an insurance policy support mechanism for common prosperity, improving the policy insurance system of seed industry, grain and hogs, and deepening the digital reform in the field of policy-oriented agricultural insurance to further improve and innovate this system,.

Key words: policy-oriented agricultural insurance, operation mechanism, reform countermeasures, Zhejiang Province

中图分类号:

郭亮玺, 胡豹. 浙江省政策性农业保险机制创新回顾与改革对策研究[J]. 浙江农业学报, 2022, 34(5): 1081-1090.

GUO Liangxi, HU Bao. Review on mechanism innovation and countermeasures of policy-oriented agricultural insurance in Zhejiang Province, China[J]. Acta Agriculturae Zhejiangensis, 2022, 34(5): 1081-1090.

图/表 3

参考文献 13

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保险类别 Insurance type	保费额 Premium amount	保险额 Insurance amount	赔款额 Benefit amount
政策性农业保险	12.00	497.78	11.91
Policy agricultural insurance
渔业互助保险	7.96	1 927.55	5.10
Fisheries mutual insurance
合计Total	19.96	2 425.33	17.01

保险类别 Insurance type	保费额 Premium amount	保险额 Insurance amount	赔款额 Benefit amount
政策性农业保险	12.00	497.78	11.91
Policy agricultural insurance
渔业互助保险	7.96	1 927.55	5.10
Fisheries mutual insurance
合计Total	19.96	2 425.33	17.01

领域 Field	类型 Type	数量 Quantity	险种 Insurance	补贴构成 Subsidy composition
政策性农业保险 Policy-oriented agricultural insurance	中央险种 Central insurance	9	水稻、水稻制种、小麦、油菜、生猪、能繁母猪、奶牛、林木火灾、林木综合 Rice, rice seed production, wheat, rape, hogs, breeding sows, dairy cows, forest fires, forest comprehensive	中央、省级、地方 Central, provincial and local
	省级险种 Provincial insurance	13	大麦、大棚、棚内蔬菜、露地蔬菜、大棚西瓜、露地西瓜、葡萄、柑橘树、鸡、鸭、鹅、淡水养鱼、稻田养鱼 Barley, greenhouse, shed vegetables, open field vegetables, greenhouse watermelon, open field watermelon, grapes, citrus trees, chickens, ducks, geese, freshwater fish farming, fish farming in rice field	省级、地方 Provincial and local
	地方特色险种 Local specialty insurance	23	大棚草莓、水蜜桃、黑木耳、香菇、蘑菇、茶园、茶叶低温气象指数、杨梅采摘期降雨气象指数、芦笋价格指数、养蚕、湖羊、生态鳖、青蟹、生猪价格指数、花卉苗木、枇杷低温气象指数、浙贝母、蜜梨、大棚铁皮石斛、杭白菊采摘期降水指数、皇菊采摘期低温气象指数、黄桃、油茶低温气象指数 Greenhouse strawberry, peach, black fungus, shiitake mushroom, mushroom, tea garden, tea low-temperature weather index, bayberry rainfall weather index during picking period, asparagus price index, sericulture, Hu sheep, ecological turtle, Scylla, hog price index, flowers and seedlings, loquat low-temperature weather index, Fritillaria thunbergii Miq., honey pear, greenhouse Dendrobium officinale, rainfall index during Chrysanthemum morifolium cv. Hangbai picking, low-temperature weather index during imperial chrysanthemum picking, yellow peach, low-temperature weather index of oil tea	省级、地方 Provincial and local
		44	梨、甘蔗、糖果蔗、春茶、高山蔬菜、大棚瓜果、叶菜成本价格、叶菜零售价格、农业机械、两头乌猪目标价格、黄牛、水稻、新型农业经营主体、蜜梨风力指数、鲜桃、大棚薄膜、茭白、莲子、山核桃降雨指数、猕猴桃、柑橘果、羊、生姜、蜜蜂、蓝莓、蚕茧目标价格、葡萄价格指数、毛竹收购价格指数、青鱼、甜瓜、雪梨花期气象指数、清水鱼、池塘循环流水淡水鱼、高价值林木、杨梅价格指数、香榧高温干旱气象指数、湖羊价格、中蜂、雪梨、温郁金、温栀子目标价格、两头乌养殖扩展、“红美人”柑橘、枇杷 Pear, sugar cane, candy cane, spring tea, alpine vegetables, greenhouse fruits and vegetables, leafy vegetables cost price, leafy vegetables retail price, agricultural machinery, target price of Chinese two-end-black pigs, yellow cattle, rice, new agricultural management body, honey pear wind index, fresh peach, greenhouse film, Zizania latifolia, lotus seeds, pecan rainfall index, kiwifruit, citrus fruit, sheep, ginger, honey bee, blueberry, silkworm cocoon target price, grape price index, moso bamboo purchase price index, piceus, melon, snow pear weather index during flowering period, clear water fish, pond circulation freshwater fish, high value forest trees, bayberry price index, high-temperature dry weather index of Chinese torreya, Hu sheep price, Chinese bee, snow pear, Radix curcumae, target price of Curcuma wenyujin, breeding expansion of Chinese two-end-black pigs, “Hongmeiren” citrus, loquat	地方Local
政策性渔业互助保险 Policy-oriented fisheries mutual insurance	省级险种 Provincial insurance	2	渔船、雇主责任险 Fishing vessel, employer’s liability insurance	省级、地方 Provincial and local
	地方特色险种 Local specialty insurance	16	海水鱼、淡水鱼、海水虾、淡水虾、龟鳖类、海水池塘蟹虾贝混养、浅海贝类、浅海藻类、名特优水产品、渔业基础设施、休闲渔船承运人责任、冷藏渔船渔获物、远洋捕捞货物、渔船修造企业财产、渔船建造、涉渔团体意外 Marine fish, freshwater fish, marine shrimp, freshwater shrimp, turtle and turtle species, mixed farming of crab, shrimp and shellfish in pond with seawater, shallow sea shellfish, shallow sea algae, special aquatic products, fisheries infrastructure, recreational fishing vessel carrier liability, refrigerated fishing vessel catches, offshore fishing cargo, fishing vessel repair enterprise property, fishing vessel construction, fishing-related group accidents	地方 Local

领域 Field	类型 Type	数量 Quantity	险种 Insurance	补贴构成 Subsidy composition
政策性农业保险 Policy-oriented agricultural insurance	中央险种 Central insurance	9	水稻、水稻制种、小麦、油菜、生猪、能繁母猪、奶牛、林木火灾、林木综合 Rice, rice seed production, wheat, rape, hogs, breeding sows, dairy cows, forest fires, forest comprehensive	中央、省级、地方 Central, provincial and local
	省级险种 Provincial insurance	13	大麦、大棚、棚内蔬菜、露地蔬菜、大棚西瓜、露地西瓜、葡萄、柑橘树、鸡、鸭、鹅、淡水养鱼、稻田养鱼 Barley, greenhouse, shed vegetables, open field vegetables, greenhouse watermelon, open field watermelon, grapes, citrus trees, chickens, ducks, geese, freshwater fish farming, fish farming in rice field	省级、地方 Provincial and local
	地方特色险种 Local specialty insurance	23	大棚草莓、水蜜桃、黑木耳、香菇、蘑菇、茶园、茶叶低温气象指数、杨梅采摘期降雨气象指数、芦笋价格指数、养蚕、湖羊、生态鳖、青蟹、生猪价格指数、花卉苗木、枇杷低温气象指数、浙贝母、蜜梨、大棚铁皮石斛、杭白菊采摘期降水指数、皇菊采摘期低温气象指数、黄桃、油茶低温气象指数 Greenhouse strawberry, peach, black fungus, shiitake mushroom, mushroom, tea garden, tea low-temperature weather index, bayberry rainfall weather index during picking period, asparagus price index, sericulture, Hu sheep, ecological turtle, Scylla, hog price index, flowers and seedlings, loquat low-temperature weather index, Fritillaria thunbergii Miq., honey pear, greenhouse Dendrobium officinale, rainfall index during Chrysanthemum morifolium cv. Hangbai picking, low-temperature weather index during imperial chrysanthemum picking, yellow peach, low-temperature weather index of oil tea	省级、地方 Provincial and local
		44	梨、甘蔗、糖果蔗、春茶、高山蔬菜、大棚瓜果、叶菜成本价格、叶菜零售价格、农业机械、两头乌猪目标价格、黄牛、水稻、新型农业经营主体、蜜梨风力指数、鲜桃、大棚薄膜、茭白、莲子、山核桃降雨指数、猕猴桃、柑橘果、羊、生姜、蜜蜂、蓝莓、蚕茧目标价格、葡萄价格指数、毛竹收购价格指数、青鱼、甜瓜、雪梨花期气象指数、清水鱼、池塘循环流水淡水鱼、高价值林木、杨梅价格指数、香榧高温干旱气象指数、湖羊价格、中蜂、雪梨、温郁金、温栀子目标价格、两头乌养殖扩展、“红美人”柑橘、枇杷 Pear, sugar cane, candy cane, spring tea, alpine vegetables, greenhouse fruits and vegetables, leafy vegetables cost price, leafy vegetables retail price, agricultural machinery, target price of Chinese two-end-black pigs, yellow cattle, rice, new agricultural management body, honey pear wind index, fresh peach, greenhouse film, Zizania latifolia, lotus seeds, pecan rainfall index, kiwifruit, citrus fruit, sheep, ginger, honey bee, blueberry, silkworm cocoon target price, grape price index, moso bamboo purchase price index, piceus, melon, snow pear weather index during flowering period, clear water fish, pond circulation freshwater fish, high value forest trees, bayberry price index, high-temperature dry weather index of Chinese torreya, Hu sheep price, Chinese bee, snow pear, Radix curcumae, target price of Curcuma wenyujin, breeding expansion of Chinese two-end-black pigs, “Hongmeiren” citrus, loquat	地方Local
政策性渔业互助保险 Policy-oriented fisheries mutual insurance	省级险种 Provincial insurance	2	渔船、雇主责任险 Fishing vessel, employer’s liability insurance	省级、地方 Provincial and local
	地方特色险种 Local specialty insurance	16	海水鱼、淡水鱼、海水虾、淡水虾、龟鳖类、海水池塘蟹虾贝混养、浅海贝类、浅海藻类、名特优水产品、渔业基础设施、休闲渔船承运人责任、冷藏渔船渔获物、远洋捕捞货物、渔船修造企业财产、渔船建造、涉渔团体意外 Marine fish, freshwater fish, marine shrimp, freshwater shrimp, turtle and turtle species, mixed farming of crab, shrimp and shellfish in pond with seawater, shallow sea shellfish, shallow sea algae, special aquatic products, fisheries infrastructure, recreational fishing vessel carrier liability, refrigerated fishing vessel catches, offshore fishing cargo, fishing vessel repair enterprise property, fishing vessel construction, fishing-related group accidents	地方 Local

保险类别Insurance type	贴补渠道Subsidy channels	2018	2019
政策性农业保险	中央财政Central finance	2.55	2.62
Policy-oriented agricultural insurance	省级财政Provincial finance	2.30	2.48
	县级财政County-level finance	1.88	1.98
	小计Subtotal	6.73	7.08
政策性渔业互助保险	中央财政Central finance	0.007 4	0
Policy-oriented fisheries mutual insurance	省级财政Provincial finance	0.797 0	0.720 9
	县级财政County-level finance	0.218 7	0.196 4
	小计Subtotal	1.023 0	0.917 3
合计Total		7.753	7.997

浙江省政策性农业保险机制创新回顾与改革对策研究

Review on mechanism innovation and countermeasures of policy-oriented agricultural insurance in Zhejiang Province, China

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