湖南省武冈市农业保险市场需求调研分析
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湖南省武冈市农业保险市场需求调研分析(9400字)
摘 要：农业保险，有利于保障农民的基本生活水平。土地收入是农民生活的主要来源，如果遇到自然灾害的袭击，能够致使土地颗粒无收，血本无归，农民生活就会面临着非常困难的局面。保险公司对农作物在生长过程中遭受人力无法控制的自然灾害所造成的产量、产值或生产费用的损失，负赔款责任。本文通过对武冈市农村的农民对于关于购买农业保险情况相关的调查，发现农业保险实际存在的问题。如：一般农业对保险信息了解不足，保险的品种不能满足本土农业发展的需求，大户养殖场认为农业保险赔偿程序过于繁琐,而且效率低，政府政策上的问题等等。进而找出解决的方法。
关键词:农业保险;农保险意;程序不透明
The Ａgricultural Insurance Demand Market Research Analysis of Wugang City in Hunan Province
Abstract: The agricultural insurance, be helpful for protecting farmers' basic living standards. Land income is the main source of farmers' life, and if a natural disaster attacks, can cause without the land particles, lose everything, farmers' life will face very difficult situation. The insurance company to crops in the growth process from human can't control of natural disasters caused by production, production value or the cost of production loss, negative reparations responsibility. This article through to in the small towns of the rural farmers to about agricultural insurance related survey and found that the agricultural insurance realities. Such as: general agriculture in insurance information is insufficient, Insurance varieties can not meet the demand of the development of local agriculture .a large farms that agriculture insurance compensation procedures too trival, and low efficiency, government policies, and so on. And then find the solution.
Key words:Ａgricultural insurance; Farmer ;Insurance awareness ; Non-transparent procedures
目 录
摘要………………………………………………………………………………1
关键词……………………………………………………………………………1
一、前言………………………………………………………………………………2
二、武冈市农业保险的发展与种类…………………………………………………2
（一）武冈市农业保险的发展现状………………………………………………2
（二）武冈市农业保险的种类……………………………………………………4
三、对武冈市农民的农业保险购买情况调研分析…………………………………4
（一）调研问卷的统计分析…………………………………………………4
（二）武冈市农业保险市场存在的问题及原因分析……………………………5
1.农民基本上不了解农业保险……………………………………………6
2.农业保险品种不能满足部分农民的需求………………………………6
3. 农民收入难以某些农业保险……………………………………………7
4. 理赔的程序复杂不公开透明……………………………………………7
四、针对武冈市农业保险市场存在的问题的对策……………………………………8
（一）加强对普通农户的宣传……………………………………………………8
（二）扩宽农业保险的种类………………………………………………………8
（三）增加政府补贴提高农户的农业积极性……………………………………9
（四）建立科学的监督程序………………………………………………………9
五、结束语………………………………………………………………………………9
参考文献………………………………………………………………………………10
致谢……………………………………………………………………………………10