Studies On Management Patterns Of Agriculture Insurance In China

Agriculture has the very important role in the whole national economy in China. At the same time, agriculture insurance can make agriculture develop smoothly. So it is very important to study the agriculture insurance. Our agriculture insurance development very slowly, and the theory of it is also very poor, especially about the mode of the agriculture insurance. This paper aim is how to establishing the mode of the agriculture insurance.This article is composed of 7 chapters.Chapter1. IntroductionThe background and purposes and meanings of the research have been introduced first. Then the thesis has summarized and evaluated relevant research trends in the domestic and outer. Finally it has demonstrated the research course, methods, structure and new ideas.Chaper2. Basic Theories of Agriculture InsuranceThis part has stressed on theories study. The basic conception of agriculture insurance have been definited firstly.The prinipe of risk, mathematical statistics, public goods, reinsurance and catastrophic risk securitization are introduced. Next, this chaper analyses the relation between supply and demand of agriculture insurance, the public nature of agriculture insurance and the effect of financial subsidies with economic ways.Chapter3. The Historical Evolution and Present Condition of Agriculture Insurance Paterns in ChinaThis chapter has stressed on positive analysis. The past and testing of agriculture insurance paterns in china have been introduced in this chapter, every one of which has been commented. The paper analyses the real puzzles of agriculture insurance in china too, including the high-visk, system deficiency, effective demand inadequate and non-performing operationdl environment.Chapter4. The Experience and Iinspiration of Agriculture Insurance Management Patterns in Several Developed CountriesThe several developed countries management patterns of agriculture insurance have been introduced in this chapter, including America, Canada, Japan and France. This part synthesizes kinds of agriculture insurance distinguishing features and experiences in these countries, thus the beneficial inspiration have been obtained in order to select management patterns of agriculture insurance in china.Chapter5. The Establishment of Diversification Management PatternsThis chapter has discussed the principles of establishment agriculture insurance. After that, the paper put forward to feasible pattern, including policy agriculture insurance company, agriculture insurance cooperative, agricultural mutual insurance company, commercial insurance company, the pattern of local government cooperating with commercial insurance, local policy agriculture insurance pattern, foreign or JV (joint venture) cooperation agriculture insurance pattern. Next, the patterns for planting industry, breeding industry, forest industry and fishery are studied.Chaper6. The Technological Support of Diversification Management PaternsAgriculture insurance zoning is essential to providing crop insurance scheme in Chinese agricultural. Six risk indices, indicating regional characteristics, and fuzzy cluster analysis method, are applied to divide risk zones. After that, three kinds of ratemaking of agriculture insurance ways are discussed,including the weighted average method, the normal distribution method and the Pearson distribution method. In addition, Bayesian adjustment approach and the model of part agriculture insurance ratemaking are recounted in detailed. All above methods give the technological support for diversification management paterns in China.Chaper7. Supporting Measures of Diversification Management PaternsThis chapter discuss some contents about agriculture reinsurance in china, including the relation between agriculture insurance and agriculture reinsurance, agriculture reinsurance function, establishing the system of agriculture reinsurance, its plan fashion, defining its retention and reinsurance pricing etc. The function and fund source and managemet of agriculture catastrophe fund have been discussed. The part has discussed the necessity and feasibility of the agriculture catastrophe securitization in China and the pattern of agriculture catastrophe bond been designed. Finally, this chapter has discussed some other supporting measures to agriculture insurance model in China.