Study On Development Of Agricultural Insurance In Hebei Province

Agricultural insurance is an effective means of risk management of modern agriculture, the government induced full use of market mechanisms to mobilize the social subject participation in risk management to effectively respond to and solve the problem of agricultural natural disasters, plays important role in the sustainable development of agriculture and rural economy. The same time, the international practice of agricultural insurance as appropriate protection for agriculture, not only is an important part in the agricultural security system, and has become one of the most important tool of non-price of agricultural protection in line with WTO rules.. Hebei Province is a major agricultural province in China, plays a decisive role in national food security and agricultural structure adjustment, also is the most serious natural disasters one of the provinces in our country, so it is urgent need for Hebei Province to make agricultural insurance play an important role in stable agricultural production, increasing farmers' income and promoting rural economic development. However, the development of agricultural insurance is relatively slow and lagged behind, both supply and demand of market players behavior constraints, but also by the impact of government's macro-control measures and financial support. Therefore, systematic analysis of the market supply and demand and government support mechanisms of agricultural insurance, promoting the agricultural insurance mode and operation mechanism, has a very important theoretical value and practical significance for the promotion of the sustainable development of agricultural insurance in Hebei Province.Based on Mathematical theory, risk management and insurance theory, the theory of market equilibrium and the Institutional Change and mechanism design theory, drawing on the theory and practice of domestic and international development of agricultural insurance, the use of the method of combining the empirical analysis and normative analysis, systems analysis characteristics of the market supply and demand and contradictions,Excavation deep-seated reasons for restricting the development of agricultural insurance on the promotion of the appearance of the agricultural insurance market imbalances, and improve government policy to support agricultural insurance system, build mode and operation mechanism of the development of agricultural insurance, and put forward development policy of agricultural insurance. The research results are as follows:1. By sorting out and refining for risk management theory, market equilibrium theory and the theory of institutional economics, forming a theoretical framework for the development of agricultural insurance. Agricultural insurance as an important means of risk management, due to its quasi-public goods and external characteristics of the agricultural insurance market failure, so government must induced institutional change and innovation to achieve healthy and sustainable development of agricultural insurance market.2. Combing the course of development of agricultural insurance, to explore the patterns and trends, of development of agricultural insurance system, comprehensive reflection the status of development of agricultural insurance. in-depth analysis all kinds of nsurance and regional distribution characteristics of of agricultural insurance development, and by comparison with other provinces on the level of development, mining the gaps and problems of agricultural insurance.3. Based on field research, distinction between small farmers and large-scale business entities, demand characteristics and influencing factors of the agricultural insurance system.is analyzed. Using logit binary model to analyze the factors affecting the demand for agricultural insurance and found that the scale of land, the number of people engaged in non-agricultural labor force in the family, buying a number of other rural insurance, policy advocacy and awareness of farmers on agricultural insurance the five variables are significant affect . And then through the typical case studies, analysis of the risk effect of the scale land management business entities and the characteristics of demand for agricultural insurance, think that in the present mode of agricultural production, large-scale business entities formed the new demand carrier of agricultural insurance, and the level of demand depends on the coupling mechanism of the interests of the enterprises or cooperatives and farmers.4. Based on regulating the supply characteristics of and influencing factors of agricultural insurance, through investigation of the operating agency of agricultural insurance, found the willingness of the insurance institutions engaged in agricultural insurance, constraints and policy requirements. From the perspective of supply levels of products and service , number of operating institutions, organizational forms, the scale of capital, solvency and operating efficiency, agricultural insurance supply capacity is the evaluated, and concludes that sustainable development potential of supply is insufficient of agricultural insurance in Hebei province with the small number of agricultural insurance undertakings, concentration high enough, low competition.5.Through analysis of the manifestations and causes of non-balanced supply and demand of agricultural insurance market, the paper thinks that government intervention can correct market non-balanced phenomenon, and promote agricultural insurance market to achieve higher levels of equilibrium. Using Granger causality test, the regression model, and flexibility analysis method , the status , effectiveness the problems of government to support the development of agricultural insurance has been analyzed. Then by analysis of Game Relations on government, insurance companies and farmers, it forms correct positioning of the government in the agricultural insurance system to promote agricultural insurance market equilibrium and good interaction.6. Theoretical model and operation mechanism.of agricultural insurance development has been Build. Defining the type and characteristics of the development mode of agricultural insurance, according to the agricultural production conditions and industrial structure, financial ability to support the basic realities of the agricultural insurance development stage, the development of the agricultural cooperative organizations, farmers' income level and insurance awareness, it has been proposed that Hebei Province should choose the mode of commercial operation in support of the Government, the insurance business organizations form should choose commercial agents and farmers' mutual insurance at this stage, then with the changes of economic development gradual transition to the"policy support"and"commercial operation"three-stage model of development. finally this mechanism is designed for the efficient operation of the agricultural insurance market with government support.From three aspects of the system Environment of development, the market system construction and organization system of agricultural insurance, the policies are put forword to provide a good development environment and platform for the commercial operation of agricultural insurance.The innovation of this paper include: (1) Scientific evaluation of the effect of financial subsidies for agricultural insurance, draw conclusion that financial subsidies amplified the effects of fiscal spending to expand the scale of development of agricultural insurance, but the overall lack of flexibility, and based on this program on financial subsidy for agricultural insurance is devised; (2) Defines the types of agricultural insurance development model, builds a dynamic model of agricultural insurance development based on the reality of conditions in Hebei Province, and designes efficient operation mechanism to promote the government, insurance companies and farmers good interaction; (3) Make an empirical analysis of supply and demand of agricultural insurance market, thinking that the development of agricultural insurance exists in the supply and demand constraints, in-depth analysis of the non-balanced agricultural insurance market, using public finance and game theory analysis to locate the role and behavior of the government in the agricultural insurance market.