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一、植保“共保”成效显著上海市郊水稻病虫发生频繁,每年造成的损失十分严重,常年病虫自然危害损失率要占水稻总产量的20-40%.虽然植保防治在大面积上已能有效控制病虫灾害,但每年总有一些地方因病虫发生基数高、防治失误等原因,出现1-2种病虫的危害损失在经济允许指标以上,使农田收成遭受严重减产或绝产.为提高植保防治质量,减轻病虫灾害,保障农民的经济利益、确保水稻生产的稳定发展,市植保部门与市人保公司遂于1991年联合推出了水稻保险植保“共保”新办法,对水稻保险如何与植保防治相结合进行了尝试.植保“共保”采用的是保险公司和市、县 (区)、乡(镇)三级植保站共同对水稻保险进行“共保”的办法、实行利益共享、责任共负、风险共担,即收入保费按一定比例分成,赔款按同一比例分摊.实行这种“共保”办法,实际上是用经济利益将双方捆在一起,既可以弥补保险公司人员少,技术力量不足的
First, plant protection, “co-insurance” significant results Shanghai suburbs of rice frequent occurrence of pests and diseases, the annual losses caused by very serious perennial pest losses natural losses accounted for 20-40% of total rice production .Although the prevention and control of plant protection in a large area Can effectively control pest and disease disasters, but there are always some places each year because of the high incidence of pests and diseases, prevention and control and other reasons, the occurrence of 1-2 kinds of pest damage losses above the allowable economic indicators, crop yield suffered serious cuts or abortion In order to improve the quality of plant protection, reduce pests and diseases, protect the economic interests of peasants and ensure the stable development of rice production, the municipal plant protection department and the municipal human security company jointly launched the new approach of “co-insurance” of rice plant protection in 1991 How rice insurance is combined with plant protection is an attempt.Protection of plant protection “co-insurance” is used by insurance companies and city, county (district), township (town) three plant protection stations together for rice insurance “co-insurance” approach, The implementation of the sharing of benefits, the total responsibility of the negative, risk-sharing, that is, a certain percentage of income premiums are divided according to the same proportion of compensation. The implementation of this “co-insurance” approach, in fact, is to use economic benefits The two sides tied together, can make up for less insurance company staff, lack of technical strength