Research On The Desire Of Supply And Demand Of Agriculatural Insurance Subject

China is a big agricultural country that over 90% of its population and over 50% of its land are in rural area, thus agriculture play a strategic and basic role in national economic life. However, our national agriculture is also a vulnerable industry, and in especial week in the ability to withstand natural disasters. At present, our major disaster relief measures cover deliverance from State civil authorities, social donation,contribution from enterprises and individuals, and a small amount of compensation from agricultural insurance, while the latter plays a pivotal role in the developed countries in the case of the same. As one of the three pillars in modern agricultural development, agricultural insurance playes a far-reaching impact on raising the income level of farmers, steadly promoting the healthy development of agricultural industry, gradually solving the "Three Rural Issues", and promoting the constructions in new rural. But currently, agriculture insurance is plunging into the dilemma that supply and demand are both cold, which will seriously restrict the development of agricultural insurance. Therefore, this article chooses the supply and demand subjects (such as the agricultural insurance companies, the farmers and the agricultural enterprises) and their desires as research objects. Combining with the change of characteristics of the agricultural risk, the paper studies in the desire of suppliment and demand of agricultural insurance in the background of agricultural industrialization, actively explores routes which can merge the supply and demand subjects'desires of agricultural insurance and promote the development of agricultural insurance, ultimately lead to an effective safeguard for the efficiency of agriculture, the increase of farmers'income and the development of rural. Based on the above considerations, this paper builds a theory basis with the theory of system vicissitude, the transaction cost theory, the decision-making theory, the farmers economic theory, the insurance theory, Molossian's hierarchy of need theory, the agricultural feeble constitution theory and the agricultural special risk theory. Then it starts with the analysis on the characteristics of the agricultural risks and agricultural insurance, interprets the difficulty in the operation of our national agricultural insurance business and its institutional reasons, at the same time, this paper in-depth studies of the features and facing risks of supply and demand subjects, the characteristics of desire and its influence factors of the two subjects, and proposes the corresponding countermeasures working on merge the supply and demand subjects'desires of agricultural insurance.This article is divided into three parts. Part One contains Chapter One and Two, it mainly expounds the theories of agricultural risks and agricultural insurance, more specifically, it includes the agricultural risk characteristics, the nature and fuction of agricultural insurance, and the facing business situacion and management difficulties.Part Two covers Chapter Three to Five. This part studies on the desire of the three subjects involved in agricultural insurance industry which running in Fujian. In this part statistical software SPSS 13.0 is used in regression analysising of questionnairs data including 481 copies of farmers and 141 copies of agricultural enterprises in Fujian, in order to summarize the characteristics of farmers'agricultural insurance demand and the influence factors. Based on the insurance enterprise, the paper does study on characteristics of insurance enterprises and the assessment system in order to elaborate the particularity of agricultural insurance supply. It also comparatively study on agricultural insurance products in the sale. Finally in this part, the way of questionaire is used to analyse the main influence factors of the insurance company's supply desire of agricultural insurance.Part Three is Chapter Six. Through the research on the supply and demand desire of agricultural insurance objects, it comes to conclusions that:First, the common factors which obviously affecting farmers and agricultural companies' supply and demand desire for agricultural insurance are level of farming technology and risk tolerance. For other significant affect factors, at farmers'point there are cultural level, breeding income proportion, breeding cost-effective degree and influence by surrounding people, while at agricultural enterprises' point there are convenience of the insured, experience in commercial insurance coverage, and views to insurance companies.Second, ranking the importance ranging from insurance liability adaptability, the speed of claim, the trust to insurance companies, low premium, convenient insurance services, insurance companies' value-added services, government subsidies, more than 70% of farmers choose the trust, low premium, and convenient insurance services as top 3, while more than 75% of agricultural enterprises choose insurance liability adaptability, the speed of claim, insurance company's value-added services as top 3. Third, it draws conclusion that enterprises are more inclined to buy insurance than farmers by comparision of the both sides'desire for agricultural insurance, hence agricultural enterprises are fitter the characteristics of the market economy, and which will lead it to become an important target market in term of development of agricultural insurance. Fourth, insurance companies face several risks include agricultural catastrophe risk loss, risk solvency, insufficient business investment and the unreasonable compensate during operating the agricultural insurance, and as limited by internal assessment guide as well. Their major concerns are policy sustainability, management risk, the government's financial resources, the determination of premium rate, the spending on the agricultural insurance and so on. According to the different of the insurance objects' desires and the influence factors, the article brings out advices for merging the supply and demand desires of insurance participants. There are reforming agricultural insurance promotion mode, strengthening policies and regulations promotion, continuously promoting effective demand for agricultural insurance, increasing agricultural insurance effective supply, strengthening the management of agricultural insurance business, strengthening government supervision on agricultural insurance.Academically, this paper has been improved to the previous researchs in three aspects. First, in this paper the agricultural insurance demanders are divided into famers and agricultural enterprises according to the divergence in the degree of agricultural producers organizational, the large-scale, and the tendency of agriculture industrialization when studying on the desires of agricultural insurance policyholders, which improves the research system of agricultural insurance policyholders. Second, numerous sow insurance is used in this paper as the object of empirical analysis, and enriches the research content of breeding insurance (it is very different than crop insurance in terms of the insurance features) which is mentioned less currently. Third, from the perspective of supply, this paper in-depth studys the insurance companies'willingness to participate into agricultural insurance, and focuses on the points of the insurance company's internal evaluation system, management system and operation cost, and preliminarily studies on the agricultural insurance supply theory system which is systemic and according with insurance operation rules, and offsets the defects of insurance suppliers which is mentioned less in agricultural insurance researches.