山東省水產(chǎn)養(yǎng)殖保險市場需求研究
發(fā)布時間：2018-09-10 14:48
【摘要】：自1978年國家調(diào)整漁業(yè)經(jīng)濟發(fā)展戰(zhàn)略到2016年的近40年以來,我國的漁業(yè)產(chǎn)業(yè)實現(xiàn)了突飛猛進的增長。目前,我國水產(chǎn)養(yǎng)殖產(chǎn)量超過世界水產(chǎn)養(yǎng)殖總量的70%,已經(jīng)成為了名副其實的漁業(yè)第一大國。水產(chǎn)養(yǎng)殖業(yè)不僅在水產(chǎn)養(yǎng)殖者生活中起到越來越重要的作用,同時,水產(chǎn)養(yǎng)殖業(yè)在國民優(yōu)質(zhì)蛋白以及國家糧食安全戰(zhàn)略中的角色地位也日漸凸顯。同時,水產(chǎn)養(yǎng)殖業(yè)與大農(nóng)業(yè)中的其他行業(yè)相比,有投入成本高、災害風險高、損失程度重、產(chǎn)品市場價格不穩(wěn)定等特點,每年因災致貧、因災返貧的漁民不計其數(shù)。因此,加強對水產(chǎn)養(yǎng)殖行業(yè)的保障顯得越來越重要。但是,水產(chǎn)養(yǎng)殖業(yè)的高風險性以及保險政策支持的薄弱性,削弱了保險公司開展水產(chǎn)養(yǎng)殖保險的主動性,我國水產(chǎn)養(yǎng)殖保險目前僅處于小規(guī)模試點階段,對水產(chǎn)養(yǎng)殖業(yè)的保障遠遠不足。實踐證明,在風險分散以及補償機制中,保險是最重要的工具,與直接性的災害救濟手段相比,保險不僅能補償漁民的經(jīng)濟損失,穩(wěn)定漁業(yè)產(chǎn)業(yè)的發(fā)展,同時,也為政府參與社會管理提供了新的抓手。近年來,學者開始對水產(chǎn)養(yǎng)殖保險進行嘗試性研究,但是涉及水產(chǎn)養(yǎng)殖保險的需求與滿意度的研究很少。基于上述認識,本文將以山東省為例,對水產(chǎn)養(yǎng)殖保險需求市場進行相關研究,本文也希望通過對水產(chǎn)養(yǎng)殖保險的需求影響因素以及現(xiàn)行水產(chǎn)養(yǎng)殖保險的滿意度進行系統(tǒng)的分析,為水產(chǎn)養(yǎng)殖保險的完善與發(fā)展提供參考。山東省是我國的水產(chǎn)養(yǎng)殖大省,水產(chǎn)養(yǎng)殖保險試點工作也屬于全國范圍較為成功的代表。本文以山東省為調(diào)查對象,著重調(diào)研了煙臺、威海、濰坊、青島、濟寧等山東水產(chǎn)養(yǎng)殖聚集區(qū)以及水產(chǎn)養(yǎng)殖保險試點區(qū),在實地調(diào)研、統(tǒng)計分析的基礎上,運用計量經(jīng)濟學的方法與工具,借助Eviews、Spss等計量經(jīng)濟學軟件對統(tǒng)計指標進行分析。本文首先用Logit模型分析了水產(chǎn)養(yǎng)殖保險的需求影響因素,在此基礎上又借助因子分析法對現(xiàn)行水產(chǎn)養(yǎng)殖保險的滿意度進行了分析,并進一步探究了制約水產(chǎn)養(yǎng)殖保險發(fā)展的因素并提出了相應的建議。本文寫作共有六章組成。第一章是論文的緒論,主要包括論文的選題背景與意義、國內(nèi)外文獻綜述、研究方法與技術路線以及論文的創(chuàng)新點與不足之處。第二章是水產(chǎn)養(yǎng)殖保險概述,內(nèi)容包括水產(chǎn)養(yǎng)殖行業(yè)特點、水產(chǎn)養(yǎng)殖行業(yè)風險性、水產(chǎn)養(yǎng)殖保險的功能以及水產(chǎn)養(yǎng)殖保險發(fā)展的歷程。第三章對山東省水產(chǎn)養(yǎng)殖保險市場進行分析。內(nèi)容包山東省水產(chǎn)養(yǎng)殖產(chǎn)業(yè)發(fā)展概況、調(diào)研問卷的設計及組織實施、山東省水產(chǎn)養(yǎng)殖保險的描述性統(tǒng)計分析、山東省水產(chǎn)養(yǎng)殖保險需求影響因素實證分析以及山東省水產(chǎn)養(yǎng)殖保險市場滿意度因子分析。通過運用Logit模型分析漁民購買水產(chǎn)養(yǎng)殖保險的影響因素可以發(fā)現(xiàn),漁民對水產(chǎn)養(yǎng)殖保險的需求受到保費水平、保障程度、保費補貼水平等11個因素的影響,其中保費水平對保險的需求產(chǎn)生反向影響,補貼水平對保險需求的影響最為顯著、影響程度最高。通過因子分析模型可知,四個維度因子對漁業(yè)保險滿意度評價的影響程度與得分分別為:保險服務因子(33.626%,3.4分)、保障水平因子(27.997%,3.9分)、保險價格因子(21.096%,2.8分)、政策支持因子(14.905%,2.5分)。第四章是山東省水產(chǎn)養(yǎng)殖保險發(fā)展面臨的制約因素。目前水產(chǎn)養(yǎng)殖保險主要存在水產(chǎn)養(yǎng)殖保險機構(gòu)宣傳力度小、宣傳效果弱;產(chǎn)品設計創(chuàng)新不足,服務生命周期短,服務質(zhì)量與客戶預期差距大;政策目標不明確、覆蓋面窄、政策推進速度慢等制約因素。第五章是山東省水產(chǎn)養(yǎng)殖保險發(fā)展的對策建議。文章主要從拓寬保險展業(yè)、宣傳渠道,提升漁民對產(chǎn)品的知曉率與滿意度;增強產(chǎn)品設計創(chuàng)新力度,提升產(chǎn)品與漁民需求的“契合度”;提升服務質(zhì)量與服務效率,提升漁民的體驗滿意度與忠誠度以及完善水產(chǎn)養(yǎng)殖保險的相關政策,提升保費補貼比例與覆蓋面四方面進行了論證。第六章為研究結(jié)論與研究展望。主要總結(jié)了論文的研究結(jié)論并對下一步的研究進行展望。
[Abstract]:From 1978 to 2016, China's fishery industry has achieved rapid growth. At present, China's aquaculture production exceeds 70% of the world's total aquaculture, and has become the largest fishery country in the world. Aquaculture industry not only plays a role in the lives of aquaculture people. At the same time, compared with other industries in large agriculture, aquaculture has the characteristics of high investment cost, high disaster risk, heavy losses and unstable market prices of products, resulting in poverty every year. There are countless fishermen returning to poverty due to disasters. Therefore, it is more and more important to strengthen the protection of aquaculture industry. However, the high risk of aquaculture industry and the weakness of insurance policy support weaken the initiative of insurance companies to carry out aquaculture insurance. Practice has proved that insurance is the most important tool in the risk dispersal and compensation mechanism. Compared with direct disaster relief measures, insurance can not only compensate fishermen's economic losses and stabilize the development of fishery industry, but also provide a new grasp for the government to participate in social management. Based on the above understanding, this paper will take Shandong Province as an example to study the demand market for aquaculture insurance. This paper also hopes to analyze the factors influencing the demand for aquaculture insurance and the current aquaculture insurance. The satisfaction degree of reproductive insurance is systematically analyzed to provide reference for the improvement and development of aquaculture insurance. Shandong Province is a big province of aquaculture in China, and the pilot work of aquaculture insurance is also a relatively successful representative of the whole country. On the basis of field investigation and statistical analysis, this paper uses econometric methods and tools to analyze the statistical indicators with the help of econometric software such as Eviews and Spss. Firstly, this paper uses Logit model to analyze the demand factors of aquaculture insurance. In this paper, six chapters are included. The first chapter is the introduction of the paper, mainly including the background and significance of the topic, literature review at home and abroad. The second chapter is the overview of aquaculture insurance, including the characteristics of aquaculture industry, the risk of aquaculture industry, the function of aquaculture insurance and the development process of aquaculture insurance. The general situation of the development of aquaculture industry in Shandong Province, the design and implementation of the questionnaire, the descriptive statistical analysis of aquaculture insurance in Shandong Province, the empirical analysis of the factors influencing the demand of aquaculture insurance in Shandong Province, and the factor analysis of satisfaction of the market of aquaculture insurance in Shandong Province were carried out. Influencing factors of reproductive insurance can be found that fishermen's demand for aquaculture insurance is affected by 11 factors, such as the level of premium, the degree of protection, the level of premium subsidy and so on. Among them, the level of premium has a reverse effect on the demand for insurance, and the level of subsidy has the most significant effect on the demand for insurance, with the highest degree of influence. The four dimensions of the factors are: insurance service factor (33.626%, 3.4 points), guarantee level factor (27.997%, 3.9 points), insurance price factor (21.096%, 2.8 points), policy support factor (14.905%, 2.5 points). The fourth chapter is the restrictive factors of the development of aquaculture insurance in Shandong Province. Aquaculture insurance mainly exists in the propaganda of aquaculture insurance institutions is weak, propaganda effect is weak; product design innovation is insufficient, service life cycle is short, service quality and customer expectations gap is large; policy objectives are not clear, coverage is narrow, policy promotion speed is slow and other constraints. Chapter V is the development of aquaculture insurance in Shandong Province countermeasures. This article mainly discusses the following aspects: broadening the insurance exhibition industry, publicity channels, enhancing the awareness and satisfaction of fishermen to the products; strengthening the innovation of product design, enhancing the "fit degree" between the products and the needs of fishermen; improving the service quality and efficiency, enhancing the fishermen's experience satisfaction and loyalty, and improving the relevant policies of aquaculture insurance. Chapter 6 is the conclusion and Prospect of the study. It mainly summarizes the conclusions of the study and looks forward to the next step of the study.
【學位授予單位】：山東農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F326.4;F842.66
本文編號：2234763
[Abstract]:From 1978 to 2016, China's fishery industry has achieved rapid growth. At present, China's aquaculture production exceeds 70% of the world's total aquaculture, and has become the largest fishery country in the world. Aquaculture industry not only plays a role in the lives of aquaculture people. At the same time, compared with other industries in large agriculture, aquaculture has the characteristics of high investment cost, high disaster risk, heavy losses and unstable market prices of products, resulting in poverty every year. There are countless fishermen returning to poverty due to disasters. Therefore, it is more and more important to strengthen the protection of aquaculture industry. However, the high risk of aquaculture industry and the weakness of insurance policy support weaken the initiative of insurance companies to carry out aquaculture insurance. Practice has proved that insurance is the most important tool in the risk dispersal and compensation mechanism. Compared with direct disaster relief measures, insurance can not only compensate fishermen's economic losses and stabilize the development of fishery industry, but also provide a new grasp for the government to participate in social management. Based on the above understanding, this paper will take Shandong Province as an example to study the demand market for aquaculture insurance. This paper also hopes to analyze the factors influencing the demand for aquaculture insurance and the current aquaculture insurance. The satisfaction degree of reproductive insurance is systematically analyzed to provide reference for the improvement and development of aquaculture insurance. Shandong Province is a big province of aquaculture in China, and the pilot work of aquaculture insurance is also a relatively successful representative of the whole country. On the basis of field investigation and statistical analysis, this paper uses econometric methods and tools to analyze the statistical indicators with the help of econometric software such as Eviews and Spss. Firstly, this paper uses Logit model to analyze the demand factors of aquaculture insurance. In this paper, six chapters are included. The first chapter is the introduction of the paper, mainly including the background and significance of the topic, literature review at home and abroad. The second chapter is the overview of aquaculture insurance, including the characteristics of aquaculture industry, the risk of aquaculture industry, the function of aquaculture insurance and the development process of aquaculture insurance. The general situation of the development of aquaculture industry in Shandong Province, the design and implementation of the questionnaire, the descriptive statistical analysis of aquaculture insurance in Shandong Province, the empirical analysis of the factors influencing the demand of aquaculture insurance in Shandong Province, and the factor analysis of satisfaction of the market of aquaculture insurance in Shandong Province were carried out. Influencing factors of reproductive insurance can be found that fishermen's demand for aquaculture insurance is affected by 11 factors, such as the level of premium, the degree of protection, the level of premium subsidy and so on. Among them, the level of premium has a reverse effect on the demand for insurance, and the level of subsidy has the most significant effect on the demand for insurance, with the highest degree of influence. The four dimensions of the factors are: insurance service factor (33.626%, 3.4 points), guarantee level factor (27.997%, 3.9 points), insurance price factor (21.096%, 2.8 points), policy support factor (14.905%, 2.5 points). The fourth chapter is the restrictive factors of the development of aquaculture insurance in Shandong Province. Aquaculture insurance mainly exists in the propaganda of aquaculture insurance institutions is weak, propaganda effect is weak; product design innovation is insufficient, service life cycle is short, service quality and customer expectations gap is large; policy objectives are not clear, coverage is narrow, policy promotion speed is slow and other constraints. Chapter V is the development of aquaculture insurance in Shandong Province countermeasures. This article mainly discusses the following aspects: broadening the insurance exhibition industry, publicity channels, enhancing the awareness and satisfaction of fishermen to the products; strengthening the innovation of product design, enhancing the "fit degree" between the products and the needs of fishermen; improving the service quality and efficiency, enhancing the fishermen's experience satisfaction and loyalty, and improving the relevant policies of aquaculture insurance. Chapter 6 is the conclusion and Prospect of the study. It mainly summarizes the conclusions of the study and looks forward to the next step of the study.
【學位授予單位】：山東農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F326.4;F842.66
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