Study On The Developing Problems Of Agriculture Insurance In China

Theory of agriculture insurance and its development have always puzzled academic and practitioners. Since there are a number of problems in China during the process of promoting the agriculture insurance, its operation has been at a loss for a long term, and even once stopped in many areas. The agriculture insurance, as an important part of the rural insurance system, cannot give full play and people don't have a clear understanding to the agriculture insurance's role in the three kinds of agricultural issues. Therefore, it is necessary to discuss the relevant issues of China's agriculture insurance theory and its authentic proof. The following are the main ideas of my thesis, Studies on the developing problems of agriculture insurancein China1. Fundamental conclusions of the thesis1.1 The theory of agriculture insurance has a very important role in the application and promotion of establishing and improving China's agriculture insurance system.For a long time, agriculture insurance means the insurer pay for the loss of crops because of natural diseases or accidents. Actually, this definition is very narrow, which just adapted to the situation of China before its reform and opening up. However, as China develops its economy, reforms the rural economic system, the concept of agriculture has been expanded, and aquiculture, animal husbandry has developed well. The risk of agriculture doesn't only happen on crops, which is merely a portion of requirement of rural economy and fanners. Some other rural economy related sectors, such as aquiculture, animal husbandry, agricultural products processing, life insurance of farmers, construction and development of rural area and township, are crying for establishing the risk transfer system, so as to prevent from their own risks and better ensure the rapid and sound development of rural economy.The extensive definition of agriculture risk in this article exceeds the traditional concept. It not only refers to crops, but also the people, wealth and materials which are related to the rural economic development. It aims to solve the operation and investment problem of agriculture insurance under China's present financial system, and to support insurance with insurance, so as to better improve the agriculture insurance system and upgrade the operation mode of it.1.2 The particularity and insurability of agriculture risks are the base of establishing and implementing the agriculture insurance system.Agriculture risk is the base of agriculture insurance, and particularity of agriculture risk causes speciality of agriculture insurance. However, the particularity of agriculture risk doesn't mean it couldn't be insured. The agriculture risk has the following features: 1) Most agriculture risk has large risk unit and is difficult to separate. 2) Agriculture risk is territorial. 3) Agriculture...