Research On The Development Of Mutual Insurance Of Marine Fishery In China

Fishery is a traditional and old production activity in most countries in the world,but it is difficult to carry out the work of fishery insurance because of its special characteristics and risks.In the past more than and 20 years of rapid development of marine fishery,commercial insurance companies in some areas have abolished the marine fishery insurance business because of the high risk factors.Therefore,the actual situation and development of marine fishery insurance,national policy and the government became the main power supply should be.So,under the guidance of the socialist road of our country,improving the marine fishery mutual insurance system is the most effective way to solve the existing contradiction.As the world's leading agricultural country,China's marine fishery industry is also a first-class,the data show that China's marine fisheries industry occupies an important position in the world's fisheries market.Due to the high risk of marine fishery production,in order to effectively resist the risk,fishermen often choose to buy insurance as a means of transferring the risks encountered in production.At present,the system of marine fishery insurance in China is now implementing the mutual insurance policy of marine fishery,which is under the leadership of the party and the state with decades of practical experience of fishery development find out,based on the road of socialism with Chinese characteristics of the mode of economic development,can effectively consolidate the further development of marine fishery inchina.However,in practice,there are still some problems and deficiencies in marine fishery mutual insurance,for example,the scope of business is still narrow,the relevant legislation is not perfect,the lack of catastrophe risk fund,etc..In this paper,the relevant literature and related theories such as Korea,Japan,India,the development of marine fishery insurance based on the relative of the advanced countries,conducted field research on the representative marine fishery production in China's Zhejiang Province,Zhoushan City,from the city of Zhoushan in the marine fishery mutual insurance problems encountered in the development of finally,summary and reference to the improvement suggestions.In this paper,a total of more than 30000 words,except the first chapter introduction problems based on the analysis of theory and experience,empirical research,put forward the problems and solving method is divided into four parts.The first part is the theoretical analysis,based on the analysis of mutual insurance in the insurance,and then analyzes the theory of marine mutual insurance.First of all,according to the theory of insurance,this paper makes a theoretical analysis of mutual insurance and marine fishery insurance,and then summarizes the definition of marine fishery mutual insurance.The second part of the development of advanced ideas of South Korea,Japan and the India insurance related experience from the perspective of marine fisheries,and summed up China's marine fishery mutual insurance development status,were summarized in the mutual fishery on the domestic and foreign insurance system content,the smooth development of China's marine fishery to Japan after mutual aid the insurance system in China,and in the empirical analysis and suggestions of mutual insurance of Zhoushan marine fishery plays a role.In the third part,taking Zhoushan city of Zhejiang Province as an example,the author hopes to analyze the current situation and the existing problems of Zhoushan marine fishery mutual insurance model and insurance.In this part,the development process of the first review of Zhoushan deep-sea fisheries and the existing insurance model,through the analysis of existing data of 04 years to 14 years of Zhoushan ocean fishery mutual insurance development situation,analyzes difficulties and problems encountered.In the actual investigation through visits to the fishery Mutual Insurance Association,in terms of the implementation of laws and regulations from the office can be seen in the current relevant laws and regulations are not perfect,the government at all levels of the marine fishery mutual insurance in support of the urgent need to strengthen.By the government in the past ten years of mutual insurance premium subsidies data on marine fisheries can see marine fishery mutual insurance business development limited scale caused by the absence of premium subsidies;found in the visit,according to the instructions of Zhejiang province fishery Mutual Insurance Association,the fishery Mutual Insurance Association Zhoushan office work for compulsory insurance and employers fishing boats of mutual insurance,and other additional risks effective propaganda is not enough,resulting in the effective understanding of the lack of insurance part of fishermen;to have to face the catastrophe risk in fishery production,the existence of loopholes in the current Zhoushan ocean fishery mutual insurance obviously in this aspect,when the catastrophe occurs,unable to effectively spread the risk over the years from the insured;the data can be analyzed the insurance rate is still at a low level,narrow business,professional talent Due to lack of production;the relatively small size of the lack of emergency funds and fishermen cannot invest more,in need of credit,becauseof the high risk of fisheries,credit companies are often reluctant to lend to them,this is one of the current difficulties.The fourth part is the countermeasures and suggestions,in this chapter,we hope to solve the current problems of marine fishery mutual insurance in Zhoushan,and put forward some suggestions for the promotion of marine fishery mutual insurance.First of all according to laws and regulations related to marine fishery mutual insurance as soon as possible to modify and perfect the establishment,can fully participate for the purpose of marine fishery mutual insurance legal system in order to protect the fishermen;second is to set up the marine fishery risk protection system into fishery long-term development planning;finally to the establishment of catastrophe risk fund,at the same time to strengthen the professional training the talent,the effective implementation of the marine fishery mutual insurance and additional insurance propaganda and strengthen the marine fishery mutual insurance and credit relationship between.