乡村振兴战略背景下农业保险发展对策研究——以四川省为例

乡村振兴战略的有效实施离不开金融体系的有力支持,农业保险作为金融支农重要工具在乡村振兴战略实施过程中发挥着重要作用。本文以四川省农业保险发展为研究案例,结合全国农业保险发展概况,点面结合深入分析了农业保险服务乡村振兴的内在逻辑、现状与问题,从乡村振兴依靠主体--老人农业与新型农业经营主体对风险的异质性需求角度出发,论述了农险服务乡村振兴的主要任务。本文认为,现阶段农业保险服务乡村振兴还存在顶层设计不合理、供需错配、目标定位不清导致中长期规划滞后、创新激励不足等结构性问题。基于此,本文提出从中央、省级政府以及保险公司三方出发,采取农险供给侧改革、优化顶层设计、加强农险宣传,提升农户保险意识、探索互助农险合作模式、充分运用互联网高新技术提高风险管控能力等政策建议。

Research on the Countermeasures of Agricultural Insurance Development under the Background of Rural Revitalization Strategy--Taking Sichuan Province as an Example

Effective implementation of the rural revitalization strategy is inseparable from the strong support of the financial system. Agricultural insurance, as an important financial support tool for agriculture, plays an important role in the implementation of the rural revitalization strategy. This paper takes the development of agricultural insurance in Sichuan Province as a research case, combines with the national agricultural insurance development overview, and analyzes the internal logic, status quo and problems of agricultural insurance serving rural revitalization in a comprehensive way. This article starts from the perspective of the heterogeneous demands for risk of main rural revitalization subjects--aged agriculture and new-type agricultural management subject, and discusses the main tasks of agricultural insurance serving rural revitalization. This paper believes that there are still structural problems such as unreasonable top-level design, mismatched supply and demand, unclear target positioning, lagging mid-term and long-term planning, and insufficient innovation incentives. Based on this, this paper proposes that we should start from the three sides of the central government, provincial government and insurance companies,adapt agricultural insurance supply-side reform, optimize top-level design, strengthen agricultural insurance publicity, enhance farmers’ insurance awareness, explore mutual assistance agricultural insurance cooperation models,and make full use of Internet high-tech to improve risk management and control capabilities.