论我国渔业互保制度及其完善和发展

中国渔业互保制度不是一种偶然现象,而是在特定的我国市场经济发展和我国农业保险制度建设历史条件下诞生和发展的,这是一项保险制度的创新。尽管他已经有17年的历史,但是还没有完全被相关政府部门认可和列为保险经营的"正规军",还得不到中央财政的支持,也缺乏发展的法律环境。作者认为,要科学地和正确地认识渔业互保现象和渔业互保的事实,在法律上确认他们的双重身份,在政策上支持他们的健康发展,同时渔业互保协会制度也需要不断完善和发展,特别是让投保渔民参与协会的民主管理,给予他们一定的资产所有权和分配权,同时协会也需要完善其巨灾风险管理机制,保证其保险业务的安全经营,同时,改善经营管理,提高保险产品的竞争力。

On the System of Fishery Mutual Insurance in China and Its Improvement and Development

Chinese fishery mutual insurance system is not a coincidence, but an insurance system innovation which was born and developed under the particular historical condition of the growth of our country’s market economy and the construction of the agricultural insurance system. Although it has 17 years of history, it is still not fully recognized by related government departments or listed as "regular" insurance business. Therefore, it also can not get the support of the central government and lack the legal development environment. The author believes that we should understand the phenomenon of the fishery mutual insurance and its fact, and should secure their double identity in law and support their healthy development in policy. Meanwhile, the fishery mutual insurance association system also needs continuous developing and perfecting, especially for fishermen to participate in the democratic management of the association, give them a certain asset ownership and distribution, and the association also needs to improve the catastrophe risk management mechanism, ensure the safety of its insurance business, and improve its management as well as the product’s competitiveness.