每經(jing)記者黃(huang)俊(jun)玲發自北(bei)京

9月10日，由(you)中(zhong)(zhong)(zhong)國(guo)保(bao)險學會(hui)(hui)主辦(ban)，中(zhong)(zhong)(zhong)國(guo)人民財產保(bao)險公司和(he)中(zhong)(zhong)(zhong)國(guo)農業(ye)科學院農業(ye)信息研究所共同承辦(ban)的(de)2014中(zhong)(zhong)(zhong)國(guo)農業(ye)保(bao)險研討會(hui)(hui)在北京(jing)舉(ju)行。在此(ci)次(ci)研討會(hui)(hui)上(shang)發布了《中(zhong)(zhong)(zhong)國(guo)農業(ye)保(bao)險市場需求調查(cha)報告》（以下簡稱：《報告》）。該《報告》稱，“購買農險/未購買農險”比例隨(sui)年齡增(zeng)加而呈現(xian)先(xian)增(zeng)后降。

據了(le)解，自2007年(nian)(nian)開(kai)始(shi)，財政(zheng)(zheng)部開(kai)始(shi)將“農(nong)(nong)業(ye)(ye)保(bao)險(xian)費補貼”列為預(yu)算科目，并要求(qiu)省財政(zheng)(zheng)也給予(yu)相(xiang)應配套補貼，補貼試點區(qu)域(yu)由(you)6個(ge)逐步(bu)擴展到(dao)全國(guo)31個(ge)省、直轄市(shi)和(he)自治區(qu)，中(zhong)央(yang)補貼比(bi)例也從最初的(de)25%提高到(dao)35%—40%。2007年(nian)(nian)至(zhi)2013年(nian)(nian)，中(zhong)央(yang)財政(zheng)(zheng)累計(ji)投入(ru)(ru)超過420億(yi)元，補貼標的(de)種類由(you)6個(ge)增(zeng)至(zhi)19個(ge)。經(jing)營(ying)農(nong)(nong)業(ye)(ye)保(bao)險(xian)公司(si)的(de)主體由(you)2008年(nian)(nian)的(de)7家(jia)增(zeng)加至(zhi)2013年(nian)(nian)底的(de)23家(jia)，每個(ge)省市(shi)至(zhi)少有(you)兩(liang)家(jia)保(bao)險(xian)公司(si)獲得農(nong)(nong)業(ye)(ye)保(bao)險(xian)經(jing)辦資格。2013年(nian)(nian)我(wo)(wo)國(guo)農(nong)(nong)業(ye)(ye)保(bao)險(xian)保(bao)費收(shou)入(ru)(ru)306.7億(yi)元，同比(bi)增(zeng)長(chang)27.4%。2013年(nian)(nian)我(wo)(wo)國(guo)農(nong)(nong)業(ye)(ye)保(bao)險(xian)密度為48.71元，農(nong)(nong)業(ye)(ye)保(bao)險(xian)深度為0.54%，同比(bi)增(zeng)長(chang)分(fen)別為17.39%和(he)30.03%。

該(gai)《報告》稱，“購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)農(nong)(nong)(nong)(nong)險(xian)(xian)/未(wei)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)農(nong)(nong)(nong)(nong)險(xian)(xian)”比例(li)(li)(li)隨年齡(ling)(ling)增(zeng)加呈現先增(zeng)后降(jiang)(jiang)。在不同(tong)年齡(ling)(ling)階(jie)段(duan)的(de)受(shou)訪農(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)和(he)未(wei)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)農(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)的(de)數量(liang)占比情況，41—50歲(sui)(sui)(sui)的(de)農(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)保(bao)險(xian)(xian)的(de)比例(li)(li)(li)最高，達39.22%，其次是(shi)51—60歲(sui)(sui)(sui)的(de)農(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)，占比為(wei)26.26%。為(wei)衡量(liang)不同(tong)年齡(ling)(ling)階(jie)段(duan)對于農(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)的(de)認知(zhi)程度(du)，據調查結(jie)(jie)果(guo)計算了(le)不同(tong)年齡(ling)(ling)階(jie)段(duan)的(de)調查農(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)保(bao)險(xian)(xian)與(yu)未(wei)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)保(bao)險(xian)(xian)的(de)比例(li)(li)(li)。其統計結(jie)(jie)果(guo)顯示，在60歲(sui)(sui)(sui)之前，隨年齡(ling)(ling)的(de)增(zeng)長(chang)，該(gai)比值也在增(zeng)大(da)。在51—60歲(sui)(sui)(sui)時，比值為(wei)18.55，達到最大(da)值；在60歲(sui)(sui)(sui)之后，隨著年齡(ling)(ling)的(de)增(zeng)大(da)，購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)保(bao)險(xian)(xian)與(yu)未(wei)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)保(bao)險(xian)(xian)的(de)比例(li)(li)(li)有所下降(jiang)(jiang)，說(shuo)明農(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)(xian)的(de)需求受(shou)年齡(ling)(ling)結(jie)(jie)構和(he)農(nong)(nong)(nong)(nong)業(ye)生產經(jing)驗積(ji)累的(de)影響。此外該(gai)《報告》認為(wei)，租種土地農(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)購(gou)(gou)(gou)買(mai)(mai)(mai)(mai)農(nong)(nong)(nong)(nong)險(xian)(xian)比例(li)(li)(li)較高。

事實上，中國(guo)農(nong)(nong)業(ye)保(bao)險發(fa)(fa)展迅速，2006年我國(guo)全國(guo)農(nong)(nong)業(ye)保(bao)費收入只有8.5億(yi)元(yuan)。2013年這個數字達(da)到了306.7億(yi)元(yuan)。與(yu)此同(tong)時(shi)，隨著農(nong)(nong)業(ye)保(bao)險的發(fa)(fa)展，不少支(zhi)持農(nong)(nong)業(ye)保(bao)險發(fa)(fa)展政策也(ye)陸續出(chu)臺，如8月份國(guo)務院(yuan)出(chu)臺了保(bao)險業(ye)新的“國(guo)十條”，明確提出(chu)要大力(li)發(fa)(fa)展三農(nong)(nong)保(bao)險，創新支(zhi)農(nong)(nong)惠(hui)農(nong)(nong)方式，擴大三農(nong)(nong)保(bao)險廣度和深度。

農(nong)(nong)業部(bu)財務(wu)司司長李健華透露，農(nong)(nong)業部(bu)緊緊抓住這個時機，進(jin)一(yi)步(bu)強化了金(jin)融(rong)保(bao)(bao)險(xian)的職能，部(bu)黨組決(jue)定(ding)在財務(wu)司增(zeng)設農(nong)(nong)業補貼與(yu)(yu)金(jin)融(rong)處，希望(wang)能夠(gou)集(ji)中人力和精力，配(pei)合財政(zheng)部(bu)、保(bao)(bao)監(jian)會等有關部(bu)門開展金(jin)融(rong)保(bao)(bao)險(xian)支農(nong)(nong)重大問題的研究，支持(chi)政(zheng)策協調落(luo)實(shi)等工作。他表示(shi)，下(xia)一(yi)步(bu)農(nong)(nong)業部(bu)還(huan)想爭(zheng)取(qu)和保(bao)(bao)監(jian)會聯合下(xia)發一(yi)個促進(jin)農(nong)(nong)業保(bao)(bao)險(xian)發展的指導性文件，推(tui)動各(ge)級(ji)農(nong)(nong)業部(bu)門更(geng)好(hao)(hao)的積極參(can)與(yu)(yu)和配(pei)合保(bao)(bao)險(xian)部(bu)門做好(hao)(hao)農(nong)(nong)業保(bao)(bao)險(xian)工作。