摘要
黑龙江省是一个屡遭自然灾害的农业大省,农业保险的发展对黑龙江省至关重要。运用有效需求理论对黑龙江省农业保险进行规范分析和实证分析,发现其有效需求不足。为此黑龙江省政府首先应增加本省农民收入、培育农民风险意识、增加农业保险的险种来提高农业保险的需求;逐步加大对经营农业保险公司的经营费用补贴、提高对农业保险经营者的税收优惠政策、建立规范农业险的规章制度和建立农业保险分散机制来提高农业保险的供给;最后建立合理的农业保险经营模式来提高黑龙江省农业保险的有效需求。
The development of agriculture insurance is cardinal for Heilongjiang province which is always suffering natural disasters. This paper made normative analysis and empirical analysis of agriculture insurance in Heilongjiang province based on the theory of effective demand and found its effective demand is insufficient. Thus, first of all, the Heilongjiang provincial government should increase the income of the famers and train farmers＇ risk awareness and diversity the kind of agricultural insurance to advance the demand of agricultural insurance. Secondly, the government should gradually enhance cost subsidies and improve the tax incentives of the companies who engage in the agricultural insurance and establish rules and regulations and make dispersion mechanism on the agricultural insurance to enhance the supply of agricultural insurance. Finally, the government should establish reasonable manage model on agricultural insurance to increase the effective demand.
出处
《哈尔滨商业大学学报（社会科学版）》
2010年第4期27-30,共4页
Journal of Harbin University of Commerce:Social Science Edition
关键词
黑龙江
有效需求
农业保险
Heilongjiang province
effective demand
agricultural insurance
