摘要
政策性农村住房保险是一种由政府推动,农户自愿参保,财政资金补助,保险公司经营,以农民居住用房为保险对象,按照保险合同约定对倒塌房屋损失予以赔偿的新型保险制度。广西壮族自治区从2011年起,在全区范围内推广政策性农房保险,对灾后农户重建家园、恢复基本生产生活起到了积极的保障作用,取得了应有的成效,但由于推广时间短,还存在一些不足和缺陷,要采取相应的政策和措施,及时的调整和完善。
The policy-based rural housing insurance is characterized with promotion by the government,voluntary participation by the rural households,fiscal subsidy,and operation by insurance company.It is a new type of insurance system with rural residential houses as its insured objects,and it will compensate for the losses of collapsed houses according to the provisions of insurance agreement.Guangxi Zhuang Autonomous Region started to popularize the policy-based rural housing insurance in 2011,and it has played positive roles for rural households in their post-disaster reconstruction and productive and living rehabilitation.However,due to the limited time of its popularization,there are still some limits and defects.Corresponding policies and measures are necessary to make a timely adjustment and improvement.
出处
《创新》
2012年第4期121-125,128,共5页
Innovation
关键词
政策性农房灾害保险
现状
存在问题
政策建议
policy-based rural housing disaster insurance
current status
existing problems
policy suggestion
