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1、山西财经大学硕士学位论文政策性农业保险法律问题研究姓名:崔捷申请学位级别:硕士专业:经济法学指导教师:张旭娟2011-05-25摘要农业保险,是世界各国鼓励和保护农业发展惯用政策,降低了农业生产带来的生产风险,保障了农业生产者的自身利益,增强了农业生产的可持续性。我国地域辽阔、气候复杂多样,有些地区天气变化无偿,由恶劣天气带来的农业灾害经常发生,给农业生产者带来巨大的损失,同时也阻碍了我国农业生产,这就需要农业保险分散农业风险。商业型农业保险虽然在一定程度上能够缓解农业风险,但商业保险盈利性无法满足农业保险
2、的政策性,其先天性的缺陷“市场失灵”直接制约着农业保险的发展。因此,建立健全政策性农业保险制度,制定相关法律法规,规范政策性农业保险是我国现阶段的主要任务。为此,本文运用对保险法学基础理论、农业保护理论及国家干预与市场机制理论,通过对国内外农业保险立法及制度的探讨,借鉴国外的先进政策性农业保险发展经验,结合我国政策性农业保险的试点现状以及分析试点存在的普遍问题,提出几点关于我国发展政策性农业保险法律制度的建议。【关键字】政策性农业保险再保险制度巨灾风险4AbstractAgriculturalinsuran
3、ce,istoencourageandprotecttheworldconventionalagriculturaldevelopmentpolicies,reducingtheproductionofagriculturalproductionrisk,protecttheirowninterestsofagriculturalproducers,enhancethesustainabilityofagriculturalproduction.China'svastterritory,climaticva
4、riation,changesintheweatherinsomeareasfreeofcharge,bythesevereweatherdamagetoagricultureoftenhappens,totheenormouslossofagriculturalproducers,butalsohinderagriculturalproduction,whichrequiresdecentralizedagriculturalagriculturalinsurancerisk.Althoughcommer
5、cial-typeagriculturalinsurancecanalleviatetosomeextent,agriculturalrisks,buttheprofitabilityofcommercialinsurancecannotmeetthepolicyagriculturalinsurance,congenitaldefectsofits"marketfailure"directlyrestrictsthedevelopmentofagriculturalinsurance.Therefore,
6、theestablishmentofsoundpolicy-orientedagriculturalinsurancesystem,thedevelopmentofrelevantlawsandregulations,regulatorypoliciesoftheagriculturalinsuranceisthemaintaskofthepresentstage.Therefore,thispaper,thebasictheoryofinsurancelaw,agriculturalprotectiont
7、heoryandtheoryofstateinterventionandmarketmechanism,throughtheinternationalsystemofagriculturalinsurancelegislationanddiscussion,learnfromadvancedforeignexperienceinthedevelopmentofagriculturalinsurancepolicy,agriculturalpolicyinourcountryInsurancestatusan
8、danalysisofthepilottrialthecommonproblems,putforwardsomepolicyonthedevelopmentofagriculturalinsuranceinChina'slegalsystemrecommendations.【KeyWords】AgriculturalinsurancepolicyReinsuranceSystemCatastropheRisk5山