Guangdong Coastal Ifshermen Insurance System

Fishermen insurance system is very important in the social security system，it’s fair ornot directly related to the vital interests of the hundreds of millions of fishermen. Thefishermen Insurance，as one of the three policy measures to stabilize their agriculturalproduction，global Governments support it，and it is a fish-management stabilizer.Guangdong natural disasters occur frequently, and need fishermen insurance to supportfisheries production urgently. However there are congenital defects，due to commercialfishermen insurance, fisheries insurance have "market failure" and a serious shortage inboth supply and demand, far from being able to meet the needs of the Guangdong fisheryproduction. Therefore，we should establish and improve fishermen’s insurance system toprotect the stability of the fishery production.Based on the theory of New Institutional Economics，Western economic theory andinsurance theory， through the theoretical research to discuss domestic and foreignfishermen insurance theory and mode，and learn from foreign advanced Policy fishermenInsurance System，combined with our country’s insurance pilot work of coastal fisherman,this paper puts forward Guangdong coastal fishermen insurance system，mode，innovativeideas，coastal fisherman insurance product species and technological innovation，build thestructural framework of the insurance system in Guangdong fishermen initially.Firstly the paper elaborates the background, purpose and significance of Guangdongcoastal fishermen insurance system, and makes a review of the literature to our countrycoastal fishermen on insurance system. Secondly, define and explore the related conceptsand research scope of fishermen’s Insurance System. Thirdly, sum up the present situationof east coastal fishermen insurance system, reveals the existence problems of coastalfishermen insurance system in Guangdong, and analyzes the causes of the problems.Fourthly, analyses and introduces the developed countries fishermen insurance systemcharacteristics, and put forward some enlightenment from developed countries to buildGuangdong fisheries insurance system. Fifthly, propose that in accordance with thepeople-oriented, prevention-oriented, efficiency and equitable balance, architecture obeytarget, government-led, low "threshold" of access, openness and will be a transition for theprinciple to build the coastal fishermen’s insurance system in Guangdong. Sixthly, proposethe establishment of the government to support the fishermen insurance cooperation organization；the government and its function branch give full play to the leading role; inthe economically developed areas，build policy fishery insurance model；introduce foreigninsurance companies actively and establish insurance fund that has multi-partyparticipation to construct coastal fishermen insurance system path in Guangdong.Seventhly, to promote Guangdong coastal fishermen insurance system carry out smoothly,put forward to build perfect coastal fishermen insurance organizations, formulateimplementation planning scientifically; increase piscatorial income to solute the fishermeninsurance dilemma fundamentally；promoting high-tech, raise insurance operators andfishermen quality and other guarantee measures. In eighth, have a conclusion of the thesisand puts forward some deficiencies.