摘要
农业保险是农业发展的稳定器,是管理生产经营风险的重要手段。其中,渔业保险在实践中的发展始终相对滞后,成为中国渔业产业高质量发展过程中亟待解决的现实问题。本文以2020年海南省罗非鱼养殖试点的收入保险为例,详细剖析其产品方案、实施机制及整体运营情况,梳理了实践过程中的特点、经验和问题,阐述了在解决渔业生产过程中相较于传统陆地农业更严重的信息不对称问题的具体做法。在政策性保险基础上为农业保险,特别是生产专业性门槛相对更高的渔业保险总结探索出一种多元主体共同参与的保险新模式,并从保险设计角度提出针对性的完善意见及相关政策建议,为中国渔业保险未来的实践发展提供参考和借鉴。
Agricultural insurance serves as a stabilizer for agricultural development and plays a crucial role in managing production and operational risks.However,fishery insurance has consistently lagged behind in practice,posing a pressing issue and challenge for achieving high-quality development of China's fishery industry.The paper takes the income insurance pilot program for tilapia aquaculture initiated in Hainan Province in 2020 as a case study.It provides a detailed analysis of insurance scheme,implementation mechanisms,and overall operational situation.It also systematically examines the experiences and challenges encountered during practical implementation,summarizing specific measures taken to address the more severe information asymmetry issues in fisheries production compared to traditional land-based agriculture.The paper explores a new insurance mode that involves the multi-entity participation in agricultural insurance.Additionally,it proposes targeted improvements and relevant policy recommendations from the perspective of insurance design,aiming to provide valuable insights and references for the future development and practices of fisheries insurance in China.
作者
高晶晶
刘彬彬
史清华
GAO Jingjing;LIU Binbin;SHI Qinghua
出处
《农业经济问题》
CSSCI
北大核心
2024年第9期110-118,共9页
Issues in Agricultural Economy
基金
国家自然科学基金青年项目“新一轮农药减量化的逻辑和方向:外部调控及内生动力作用研究”(编号:72303150),国家自然科学基金面上项目“粮食安全背景下农户储粮行为的变化及其内在机制研究”(编号:72173085),国家自然科学基金面上项目“化学农资施用的内在机理以及减控或替代方式研究”(编号:71973094)
上海交通大学现代金融研究基金项目(编号:202204)。
关键词
农业保险
水产养殖
渔业保险
收入保险
Agricultural insurance
Aquaculture
Fishery insurance
Income insurance
作者简介
通讯作者:史清华。
