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| 非洲猪瘟疫情背景下我国生猪保险发展现状、功能作用及对策建议探讨 |
| The current situation, function and countermeasures of pig insurance in China |
| 投稿时间：2020-07-15 |
| DOI： |
| 中文关键词: 生猪保险 非洲猪瘟 产品创新 功能作用 对策建议 |
| 英文关键词:Pig insurance African swine fever Product innovation Function Countermeasures |
| 基金项目: |
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| 摘要点击次数: 590 |
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| 中文摘要: |
| 生猪产业是农业生产的重要组成部分，是农民收入的重要来源之一，猪肉也是我国城乡居民的主要副食品。2018年8月，我国暴发非洲猪瘟疫情，非洲猪瘟对我国生猪产业造成了较大影响，猪肉产能迅速下降，猪肉价格持续上涨。发展生猪保险，是落实国家扶持生猪生产政策的重要举措，有利于帮助农户分散转移风险，调动养猪积极性，推动农民增收；有利于提高生猪产业防灾防疫能力，稳定生猪市场供应，保障人民生活；有利于充分发挥保险的社会管理功能，助力国家乡村振兴战略。文章首先简要介绍了我国生猪保险业务发展现状，包括业务规模、保险产品情况及存在问题等，在此基础上结合生产实际情况，对非洲猪瘟背景下我国生猪保险对生猪稳产保供的功能作用进行了详细分析，包括经济补偿、价格稳定、风险管理、融资增信、社会治理和产业扶贫等六大方面。虽然我国生猪保险业务发展取得了较好成效，但仍面临着业务覆盖率偏低、道德风险高、市场化保费费率定价缺乏等难题，所以文章在最后提出了推进我国生猪保险稳定健康发展的相关建议。 |
| 英文摘要: |
| Pig production is an important part of agricultural production and an important source of farmers' income. Pork is also the main meat of urban and rural residents in China. Since August 2019, there has been an outbreak of African swine fever(ASF) in China. The development of pig insurance is an important part of the implementation of the national policy of supporting pig production, which is conducive to helping farmers to disperse and transfer risks, mobilize the enthusiasm of pig raising, and promote the increase of farmers' income. It is helpful to improve the ability of pig industry in disaster prevention and epidemic prevention, stabilize the supply of pig market, and ensure people's livelihood. Giving full play to the social management function of insurance, it can also promote the Rural Revitalization Strategy. This paper fi rstly introduces the current situation of pig insurance business in China briefl y, including business scale, insurance products and existing problems. On this basis, combined with business practice, the paper analyzes the function of pig insurance in China under the background of African swine fever(ASF), including economic compensation, price stability, risk management, fi nancing and credit enhancement, social governance and industry poverty alleviation. Although China's pig insurance business has achieved great eff orts, it still faces problems such as low business coverage, high moral hazard and lack of marketoriented rate pricing. Therefore, this paper fi nally puts forward relevant countermeasures and suggestions to promote the stable and healthy development of China's pig insurance. |
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