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MBA毕业论文_保财险支农_政融保_项目运营设计与完善PDF

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普惠金融作为现代经济发展中不可或缺的一部分,在农村经济发展中也起着 关键性作用。农业保险就是为了能够化解农户面临的风险、稳定农户的收入、提 高农户种粮积极性。在精准扶贫工作中发挥了重要作用,促使贫困发生率显著下 降取得了良好的扶贫效果。近年来,保险机构通过农业保险特别是普惠金融创新 产品对农业产业的扶持,直接或间接带动了贫困户增收,高效助力脱贫攻坚工作 的开展。人保财险作为央企,积极响应中央号召,勇于担当,首家创新试点开展 普惠金融业务,为保险公司尝试银行贷款业务进行尝试和探索,具有重要意义。 “政融保”是人保财险XT分公司普惠金融业务独有的创新业务模式。尤其 是通过对“政融保”项目扶持农业项目运营方案及流程的分析,重点研究运行取 得的成效以及存在的问题,并结合国内外研究成果,改进和提升“政融保”项目 的运营,提高企业经营业绩的目标。 本文利用保险功能理论、新制度经济学理论、农业保险理论、普惠金融理论。 首先,通过对人保财险XT分公司普惠金融业务及“政融保”项目运营设计发展 现状进行描述和分析,了解项目各阶段潜在的风险;其次,找出政府、保险公司、 农户三方在“政融保”项目运营制度上体制上存在的瓶颈和障碍,总结项目运营 的经验和教训。再次,研究XT分公司普惠金融及“政融保”业务运营及流程, 分析影响该公司“政融保”业务发展的因素,找出风险点和阻碍发展的制约因素。 最后,针对XT分公司“政融保”业务的运营方案重新进行设计,完善审核标准 及流程。 关键词:人保财险政融保运营方案流程改进 人保财险支农“政融保”项目运营设计及完善 II ABSTRACT Inclusivefinanceisanindispensablepartofmoderneconomicdevelopment,It alsoplaysakeyroleinthedevelopmentofruraleconomy.Asalargeagricultural country,Chinaactivelypromotesthedevelopmentofinclusivefinance,which includesthesupporttoruralfinance.Agriculturalinsuranceistoresolvetherisks farmersface,stabilizetheirincome,andimprovetheirenthusiasmforgrain production.Ithasplayedanimportantroleinthetargetedpovertyalleviationwork andachievedgoodpovertyalleviationresultsbysignificantlyreducingtheincidence ofpoverty.Inrecentyears,throughthesupportofagriculturalinsurance,especially theinnovativeproductsofinclusivefinance,insuranceinstitutionshavedirectlyor indirectlyboostedtheincomeincreaseofpoorhouseholdsandeffectivelyassistedthe povertyalleviationwork.PiccpropertyInsurance,asacentralenterprise,actively respondstothecallofthecentralgovernmentandhasthecouragetoplayitsrole.Itis thefirstinnovativepilotcompanytocarryoutinclusivefinancebusiness,anditisof greatsignificancetotryandexplorebankloanbusinessforinsurancecompanies. Topromotethedevelopmentofagriculture,ruralareasandsmallandmicro enterprisesbycarryingoutinclusivefinancialservicesforPICCXTBranch.In particular,throughtheanalysisoftheoperationplanandprocessofthesupported agriculturalprojectofthe"Politicalfinancingandinsurance"project,thepaper focusesontheresearchresultsachievedandexistingproblems,andcombinesthe researchresultsathomeandabroadtoimproveandenhancetheoperationofthe "politicalfinancingandinsurance"projectandimprovethebusinessperformanceof theenterprise. Thetheoreticalbasisofthispaperincludesinsurancefunctiontheory,new institutionaleconomicstheory,agriculturalinsurancetheory,agriculturalcredit subsidytheoryandinclusivefinancetheory.Firstofall,throughthedescriptionand analysisoftheinclusivefinancialbusinessofPICCXTBranchandtheoperation designanddevelopmentstatusofthe"Politicalandfinancialinsurance"project,the potentialrisksofeachstageoftheprojectareunderstood.Secondly,thebottlenecks andobstaclesexistingintheoperationsystemofthe"politicalandfinancial insurance"projectamongthegovernment,insurancecompaniesandfarmersare identified,andtheexperienceandlessonsoftheprojectoperationaresummarized. 河北地质大学硕士学位论文 III Thirdly,itstudiestheoperationandprocessofinclusiveFinanceand"Politicaland financialinsurance"businessofXTbranch,analyzesthefactorsaffectingthe developmentofthecompany's"politicalandfinancialinsurance"business,andfinds outtheriskpointsandconstraintshinderingthedevelopment.Finally,redesignthe operationofthe"politicalandfinancialinsurance"businessofXTbranch,and improvetheauditstandardsandprocedures.Accordingtotheanalysisresults,therisk pointsandconstraintsarefoundout,andtheimprovementcountermeasuresareput forwardforthebottlenecksandobstaclesintheoperationdesignofinclusivefinance and"politicalandfinancialinsurance"businessofXTbranch. KEYWORDS:PICCP&CInclusiveFinanceInclusivefinancePratt &whitneyfinancialOperationplanandprocess 人保财险支农“政融保”项目运营设计及完善 IV 目录 摘要..........................................................................................................................................I Abstract.................................................................................................................................II 第一章绪论.....................................................................................................................................1 1.1研究背景及意义.................................................................................................................1 1.1.1研究背景.................................................................................................................1 1.1.2研究意义及目的......................................................................................................3 1.2国内外研究现状.................................................................................................................4 1.2.1国外研究现状............................................................................................................4 1.2.2国内研究现状..........................................................................................................5 1.2.3研究综述..................................................................................................................8 1.3论文结构及内容.................................................................................................................8 1.4研究方法及技术路线.........................................................................................................9 1.4.1研究方法..................................................................................................................9 1.4.2技术路线..................................................................................................................9 1.5可能创新点.......................................................................................................................10 第二章相关概念界定与理论基础.................................................................................................12 2.1相关概念界定....................................................................................................................12 2.1.1金融扶贫概念界定................................................................................................12 2.1.2普惠金融概念界定................................................................................................12 2.2理论基础............................................................................................................................13 2.2.1保险功能理论.......................................................................................................13 2.2.2新制度经济学理论................................................................................................14 2.2.3农业保险理论........................................................................................................14 2.2.4农业信贷补贴理论................................................................................................15 2.2.5普惠金融理论........................................................................................................15 2.2.6信贷配给理论.......................................................................................................16 第三章人保财险XT分公司“政融保”项目运营分析..............................................................17 3.1中国人保财险XT分公司“政融保”项目概述.............................................................17 3.1.1人保财险XT分公司概述...................