文献类型：期刊文献

中文题名：广东渔业保险发展：问题与对策

英文题名：An Analysis on Fishery Insurance in Guangdong

作者：孙良媛[1];徐小怡[1,2]

机构：[1]华南农业大学经济管理学院,广东广州510642;[2]广东海洋大学经济管理学院,广东湛江524088

年份：2008

卷号：7

期号：4

起止页码：1

中文期刊名：华南农业大学学报（社会科学版）

外文期刊名：Journal of South China Agricultural University(Social Science Edition)

收录：国家哲学社会科学学术期刊数据库、CSSCI2008_2009、CSSCI

基金：广东省人文社科重点基地重点项目(04JDXM79003)

语种：中文

中文关键词：渔业保险;逆向选择;道德风险;供给约束;需求抑制

外文关键词：fishery insurance; converse option; moral risk; restricted supply; restrained demand

中文摘要：通过对广东渔业保险发展历程及现状考察,揭示广东渔业保险发展滞后,供求失衡、运作效率低下等问题,导致这些问题的主要原因是供给约束、需求抑制及农村金融制度环境的制约。结合渔业产业特性以及由此导致的渔业保险的逆向选择及道德风险等特点,提出渔业保险应该实行政策性保险,政府在渔业保险中发挥主体性作用,"政府+渔民(船)互保协会+商业保险"是广东渔业保险的主体模式。

外文摘要：Based on the that the development of review of the actuality of fishery insurance in Guangdong, the paper indicates Guangdong fishery insurance is unbalanced in supply and demand, its operation being inefficient. The main reasons consist in restricted supply, restrained demand and the lag of rural financial environment. In consideration of the speciality in fishery insurance such as converse option and moral risk, the paper holds the point that the administrative fishery insurance should be implemented as well as the co-operation among the government, fishery association and the commercial insurance. The main mode should be ＂government ＋ fishery association ＋ commercial insurance＂.