The Study On Our Fishery Mutual Insurance System

By summarizing the characteristics of ourselves and keeping exploring accordingly over thepassed decades, the fishery mutual insurance comes into being, which is predominant in system,mutual protective organization and social security. Although it accords with the current situation ofeconomic development and has improved our fishing industry accordingly, it still obtains manyproblems and disadvantages in both theory and reality, such as the divergence of its nature, theimperfect legal system, the irrational fishery mutual system and governmental intervention, ect.Based on the relative theoretical study and experience of foreign system, this paper puts forwardsome suggestions on the fishery mutual insurance. Containing about30,000letters and arranged bythe order of raising, analyzing and solving the problem, this paper is divided into four sectionsbesides the Introduction.The first section mainly analyzes the nature of the fishery mutual insurance. To foreshadow itsreason and background, this part is a review of the development of our fishery insurance which isdivided into two stages: the stage of the belly-worship and outright contraction of commercialinsurance and the stage of the rise and development of policy-related fishery mutual insurance.Scholars generally believe that our fishery mutual insurance should be policy-related, whilelegislation defines it as commerciality. At last, this paper creatively puts forward a point of viewthat is to define the nature of fishery mutual insurance as both policy and commerciality withnational subsidy.The second section generally introduces the foreign fishery insurance system and it in Taiwan,and what inspiration we can draw from them. Based on the summary of the fishery insurancesystem in Japan, Korea and Taiwan, this paper concludes some enlightenment about theimprovement of relative legal system, the establishment of fishery mutual insurance system, peoplemanagement and the function of government in fishery mutual insurance.The third section analyzes the current problems in our fishery mutual insurance system. Firstly,the relative legal system is imperfect, for example, the lack of law and regulation to regulate it andto ensure that fishermen fully take part in it. Secondly, the system of fishery mutual insuranceorganization is unreasonable, which results in the irrationality of its installment and peoplemanagement, and more problems in claims department. Finally, there is improper governmentalintervention. The fourth section proposes suggestions on dealing with problems in our fishery mutualinsurance. First is to perfect relative law and regulation, amend and improve clauses from place toplace, and set up legal system to ensure that fishermen fully take part in it. Second is to reform ourcurrent system of fishery mutual insurance organization. The last is to control the limit ofgovernmental intervention.