我国渔业保险困局评析及法制化构想

渔业作为农业的重要组成部分,是一项高投入、高风险的弱质产业。世界渔业的发展实践证明,渔业保险是分散渔业风险的最佳方式,且须有法律制度的规范与保障。20世纪80年代以来,我国的渔业保险从无到有,成绩突出。但目前面临"商业保险步履蹒跚,渔业互保范围狭窄,政策保险进展缓慢,法制保障明显缺位"的困扰。我国渔业保险要实现为渔业的稳定发展保驾护航,应实行法制化,并适用"政府适度扶持、基本保障、强制保险与自愿保险相结合、多种保险机制相结合"等基本原则。

The predicament comments of China＇s fishery insurance and legalization conception

Fishery is an important component of the agriculture; it is a weak industry with high investment and risk. The practices of the world fishery development prove that fishery insurance is the best way to disperse fishery risks, and it must be standardized and safeguarded by the legal system. Since the 1980s, China＇s fishery insurance made outstanding achievements, but it still faces many problems： the commercial insurance is shambling, the range of the fishery mutual insurance is narrow, the policy insurance makes slow progress, and the related laws are obviously lack. In order to guarantee the stable development of the fishery, the fishery insurance should be implemented legalization, and adopts these basic principles： moderate government support, basic guarantee, the combination of compulsory insurance and voluntary insurance, the combination of various insurance mechanisms.