Research On Government Behavior And Optimization In Agricultural Insurance Market

China’s agriculture has a long history.The agricultural civilization has experienced a great change from traditional agriculture to modern agriculture mode in thousands of years,but it is always difficult to change the inherent weakness of the agricultural industry.For the agricultural production under the joint action of natural reproduction and economic reproduction is always affected by multiple risks such as natural risk,economic risk,social risk and technical risk,etc.Under the influence of multiple risks,the development of agricultural industry is greatly affected by the risks mentioned.Modern agricultural production and its environment determine the urgent demand of agricultural production process for agricultural risk management.Agricultural development needs effective tools to manage agricultural risks.The emergence of agricultural insurance is only a matter of nearly 300 years,but it has become a common financial tool used by more than 100 countries in the world to regulate the economy,to relieve the pressure of government relief,to alleviate the loss of agricultural disasters,and to stabilize social relations.The emergence of agricultural insurance has effectively improved the weakness of agriculture.Many countries in the world including China’s agricultural insurance market development experience shows that the agricultural insurance market without government participation can only reach a low level of equilibrium.The special nature of agricultural insurance determines that without the government’s decision-making and public economy behaviour,agricultural insurance can not play the risk management function matching with modern agricultural production.By exploring the development process of agricultural insurance in the world,it can be found that in the countries with mature and developing agricultural insurance market,the governments all cultivate their own agricultural insurance market through various strong behaviors and measures.The government must actively participate in the construction of agricultural insurance market through supervision,so as to ensure the stable development of agricultural insurance market.The main contents of this paper are as follows: first of all,it analyzes the positive role of government behavior in the development of agricultural insurance market in China.As an important builder and guider of agricultural insurance market,the government plays an indispensable role in promoting the development of agricultural insurance.This paper analyzes the government behavior in China’s agricultural insurance market from the perspective of the scale of agricultural insurance market,the development stage of agricultural insurance market,and the level of agricultural insurance security,which is the research background for the following chapters to study the interaction and evolution trend of government behavior in the agricultural insurance market.Secondly,it analyzes the interaction of government behavior in the agricultural insurance market.The influence of government behavior on agricultural insurance institutions and agricultural producers and operators,as well as the response of agricultural insurance institutions and agricultural producers and operators to government behavior constitute the interactive study of government behavior.Through the analysis of the impact of government behavior on agricultural insurance institutions and agricultural producers and operators,it finds the process of government behavior on agricultural insurance institutions and agricultural producers and operators.Through the analysis of the response level of agricultural insurance institutions and agricultural producers and operators to the government’s behavior,also finds that the government’s behavior affects the response level of the predetermined goals of agricultural insurance institutions and agricultural producers and operators.Thirdly,establish incentive scheme for the consistency of government behavior at all levels in the agricultural insurance market.In the process of the interaction between the main body of the government led agricultural insurance market,it analyzes the establishment of incentive scheme for the goal consistent behavior of the central government and the local government.In the current agricultural insurance market,through the construction of the comprehensive incentive program,the behavior of the central government and the local government is consistent,and on this basis,the characteristics of the government behavior in the agricultural insurance market are analyzed.Finally,the evolution trend of government behavior in agricultural insurance market is analyzed.On the basis of all the above analysis,an evolutionary game model based on the behavior characteristics of each body in agricultural insurance market is constructed.Based on the equilibrium solution,the representative strategies are simulated to provide theoretical basis for the decision-making scheme of the equilibrium behavior of the three parties in the agricultural insurance market.This study analyzes the impact of government behavior on agricultural insurance institutions and agricultural producers and operators,and the response of agricultural insurance institutions and agricultural producers and operators to government behavior,forming an interactive study of government behavior in the agricultural insurance market.On the basis of the research on the interaction of government’s behavior,this paper analyzes the evolution trend of government’s behavior in the agricultural insurance market by integrating the characteristics of the main body’s behavior in the agricultural insurance market.According to the evolution trend of government’s behavior,it finally finds out the important factors that affect the government’s behavior,and puts forward some suggestions for optimizing the government’s behavior in the agricultural insurance market.The suggestions for optimizing the government’s behavior in the agricultural insurance market are as follows: following the principle of optimizing the government’s behavior in the agricultural insurance market,making clear objectives of optimizing the government’s behavior in improving the allocation of resources in the agricultural insurance market,ensuring the stability of the transaction behavior in the agricultural insurance market and promoting the development of various types of agricultural insurance market,so as to build a suitable macro environment for the development of the agricultural insurance market.To coordinate the interests of the main body of the agricultural insurance market,provide different subsidies for agricultural insurance products and advocate technology driven innovation in the agricultural insurance market.The conclusion is as follows: the environment of agricultural insurance industry in China is good for the development of agricultural insurance.Under the new normal of supply side reform and demand side adjustment in China,the structural reform is the cornerstone of the long-term sustainable and stable development of the agricultural insurance market,the development of agricultural insurance has risen from industry will to national will.The government behavior stabilizes the operation behavior of agricultural insurance institutions and the insurance behavior of agricultural producers and operators.The quasi public product attribute agricultural insurance determines the indispensable role of the government in eliminating externalizations,and the necessity and effectiveness of government participation in the agricultural insurance.The government’s involvement in agricultural insurance is in line with the existing operation of the agricultural insurance market.The government behavior encouraged the operation enthusiasm of agricultural insurance institutions and the insurance enthusiasm of agricultural producers and operators.The goal of government behaviour has been realized in the agricultural insurance market through the positive response of agricultural insurance institutions and agricultural producers and operators.A low-cost system design scheme has been found for the central government and the local government to achieve the goal behavior consistency.