云南省农业保险发展现状及问题对策探讨

Discussion on the Current Situation of Agricultural Insurance Development and Countermeasures to the Problems in Yunnan Province

摘要: 为提高抵御自然灾害风险的能力，需要充分利用农业保险分散化解农业生产风险，而云南省地理位置特殊，地质环境复杂，易发生地质灾害等系统性风险，因此农业保险成为其风险管理的重要手段。本文根据搜集到的有关云南省农业保险的相关数据对云南省农业保险的发展现状进行分析，基于政府、保险公司、农户三方视角进行分析发现云南省农业保险存在政府补贴负担较重且财政补贴区域不平衡、产品供给以及服务能力不足、农户参保意愿不强以及巨灾风险防范与分散机制不完善等问题，并针对这些问题提出相应对策建议。

Abstract: In order to improve the ability to resist the risk of natural disasters, it is necessary to make full use of agricultural insurance to decentralize and resolve the risk of agricultural production. However, Yunnan Province has a special geographic location and a complex geological environment, which is prone to geological disasters and other systematic risks. Therefore, agricultural insurance has become an important means of risk management. This paper analyzes the development status of agricultural insurance in Yunnan Province based on the data collected about agricultural insurance in Yunnan Province, and finds that there are problems such as heavy burden of government subsidies and regional imbalance of financial subsidies, insufficient supply of products and service capacity, weak willingness of farmers to participate in the insurance, and imperfect mechanism of catastrophe risk prevention and dispersion, etc., and proposes corresponding countermeasures against these problems. It also puts forward corresponding countermeasures and suggestions for these problems.