CAJ | 학술논문

渔业相对其它产业风险大、赔付率高,以盈利为目的商业保险公司不愿涉足渔业保险市场,从而导致我国渔业保险市场的萎缩.而政策性渔业保险具有非盈利性,以渔民利益为中心,在国家的支持下能为渔民的生产和经营提供良好的风险保障,成为化解渔业保险现存问题的有效措施.目前阶段,尽快构建符合我国国情、渔情的政策性渔业保险制度是化解现存问题的最佳选择.
어업상대기타산업풍험대、배부솔고,이영리위목적상업보험공사불원섭족어업보험시장,종이도치아국어업보험시장적위축.이정책성어업보험구유비영리성,이어민이익위중심,재국가적지지하능위어민적생산화경영제공량호적풍험보장,성위화해어업보험현존문제적유효조시.목전계단,진쾌구건부합아국국정、어정적정책성어업보험제도시화해현존문제적최가선택.
Commercial insurance companies that took profit as their goals would not like entering fishery insurance market because of fishery's high risk and high loss ratio contrast with other industries, so fishery insurance market in our country became more and more small. However, the center of the policy fishery insurance was the profit of fisherman but not business profit, with the support of the governments, it could protect fisherman's production and management from risk, it was an effective way to resolve the problems existing in fishery insurance. At present, constructing policy fishery insurance system which suited for our country as soon as possible was the best choice to resolve existing problems.