Research On Interests Synergy Of Each Participator Of Policy-oriented Agricultural Insurance In China

The deterioration of the global ecological environment has caused the increase of the frequency and intensity of natural disasters. With agricultural production risk rising and centralization, the destructive force of disasters’ accidents and economic loss are more and more. From2004to2013(except2011),9central "file No. one" have been put forward to develop the policy-oriented agricultural insurance. However, particularity of agricultural insurance (the risk of agriculture weak insurability, the vulnerability of agricultural insurance products, the quasi-public goods of agricultural insurance, etc.) and the different purposes of participating insurance have caused a potential conflict of interests of three participators of agricultural insurance, and then lack of effective interest synergy mechanism led to the reality of the potential conflict among three participators. Three participators of policy-oriented agricultural insurance together form an open synergic system. Each single participator is its subsystem. In the course of self-organization, the evolution can be gradually from disorderly to orderly and from lower order to higher through the coordination among three subsystems so that a healthy, sustainable development of policy-oriented agricultural insurance has formed. The interest synergy of the participators of policy-oriented agricultural insurance is the key to sustainable development of agricultural insurance, and is the road to promote the "endogenous" development of policy-oriented agricultural insurance. The fundamental point of connection is interest synergy.The first part is the first chapter and the second chapter, mainly elaborated the research goal and the significance, domestic and international research, research ideas and methods, main contents, the innovation and research theory foundation.Second part is from the third chapter to the fifth chapter. At this part, the realistic evaluation about interest synergy mechanism of each participator of policy-oriented agricultural insurance in China has analyzed separately from evaluation of the synergy degree and the synergistic effect of the policy-oriented agricultural insurance. First, the interest synergy degree of each participator of policy-oriented agricultural insurance in China has evaluated by constructing a SAR model. Through calculation, the interest synergy degrees of the policy-oriented agricultural insurance system are relatively low over the years in China. This reveals the association of China’s policy-oriented agricultural insurance system within a certain period of time is not strong, and shows that during this period China’s policy-oriented agricultural insurance system in the macro is still in the development state of low order. Second, the synergistic effect of the policy-oriented agricultural insurance has been analyzed through the evolution history of each participator’interests of agricultural insurance and examples. The study thinks that evolution of agricultural insurance system is also periodic growth, spiral, and evolution and the synergistic effect is consistent in the evolution with the small evolution. Taking Hunan Province as an example, the synergistic effect of each participator interests of the policy-oriented agricultural insurance has been analyzed by synergistic effect description method and the construction of Logistic model. At the same time, synergy power of each participator interests of the policy-oriented agricultural insurance has been analyzed. It has revealed the forces driving the interest synergy evolution about each participator of the policy-oriented agricultural insurance.Third part is from the sixth chapter to the seventh chapter. At this part, some suggestions have put forward from three aspects to perfect interests synergy mechanism of each participator of policy-oriented agricultural insurance. First, the incentive mechanism has been improved, that is, the policy-oriented agricultural insurance system can achieve steady development goals in the pursuit of their own interests. It has mainly achieved through the rational design of policy agricultural insurance contract. Second, the guarantee mechanism has been perfected, that is, how to keep the development direction of the entire system and the target of the participators’ action accordant. It has mainly achieved through the innovation of policy agricultural insurance products. Third, the efficiency mechanism has been improved, that is, how to improve the efficiency of participators’action. It has mainly achieved through the double to the farmer mode and the introduction of intelligent system. Perfecting the interest synergy mechanism of each participator of policy-oriented agricultural insurance is conducive to the Long-term stable and healthy development of the policy-oriented agricultural insurance.