Research On The Performance Of China’s Policy Oriented Agricultural Insurance

As an important tool of modern agricultural risk management,China’s policy oriented agricultural insurance has developed rapidly since 2007 and has made great achievements.In 2020,the scale of agricultural insurance premium reached 81.5 billion RMB,surpassing that of the United States to become the largest country in agricultural insurance premium income.Facing the important task of serving the Rural Revitalization Strategy and agricultural and rural modernization,further improving the performance of policy oriented agricultural insurance,promoting the high-quality development of China’s policy oriented agricultural insurance,hence promoting China’s agricultural insurance from a big country to a powerful country has become a hot topic in the research of modern agricultural development.In recent years,the academic community has conducted in-depth research on policy oriented agricultural insurance,and the results are mainly concentrated on the evaluation of effect and efficiency.Facing the requirement of high-quality development of agricultural insurance,the research on the theory and method of performance evaluation of policy oriented agricultural insurance needs to be strengthened and improved.On the one hand,most of the existing performance studies are analyzed from a relatively single perspective,such as financial subsidies,insurance pilot,insurance supervision,operation management and agricultural insurance actuary,lacking a comprehensive,systematic and overall evaluation research framework;On the other hand,the meaning of policy oriented agricultural insurance has changed significantly.In the past,policy oriented agricultural insurance in China focused on "coverage area" and "coverage rate of farmers".From the perspective of development mode,it was "extensive" operation,rather than "accurate" service required by high-quality development.New practice requires new research perspectives and methods.This paper utilizes analytical methods such as literature review and comparative analysis,contradiction analysis,and the combination of qualitative and quantitative methods.Under the guidance of Marxist political economy,this paper starts from four aspects: the relationship between the central government and the local government,the relationship between the government and the agricultural insurance institutions between the "promising government" and the "effective market",the relationship between the government and the farmers in liberating,developing and protecting the productive forces,the relationship between the agricultural insurance institutions and the farmers in the supply of agricultural insurance products and the demand for agricultural insurance The existing research results of the interest relationship between agricultural insurance institutions and farmers,explore the theoretical mechanism and implementation path of improving the performance of China’s policy oriented agricultural insurance,and put forward the political and economic implications of accurately grasping the high-quality development of policy oriented agricultural insurance,which is helpful to the "baton" of policy oriented agricultural insurance performance,further develop in the direction of "persisting in the prioritized development of agriculture and rural areas,and persisting in the dominant position of farmers"This paper is divided into six chapters.The introduction and the first chapter,based on the policy orientation of China’s policy oriented agricultural insurance,anchor the risk guarantee needs of serving the Rural Revitalization Strategy and agricultural and rural modernization,summarize and comment on the concepts and hot issues involved in the performance of policy oriented agricultural insurance,determine the research scope and perspective,and put forward the innovation points and shortcomings.The second chapter analyzes the objectives and tasks of the high-quality development of China’s policy based agricultural insurance and the interest relationship among the government,agricultural insurance institutions and farmers,and initially constructs the analysis framework of China’s policy oriented agricultural insurance performance.The third chapter combs the development history of China’s policy based agricultural insurance,and based on the current domestic conditions and the characteristics of the new development stage,analyzes the guarantee level,guarantee lever and the current prominent problems of farmers’ weak sense of access in China’s policy based agricultural insurance,so as to provide specific problem guidance and practical basis for empirical analysis and countermeasure research.Based on the closed-loop management and control system of agricultural risk,the fourth chapter designs the performance evaluation system and indicators of China’s policy oriented agricultural insurance to achieve the high-quality development of China’s policy based agricultural insurance.The fifth chapter is the conclusion and countermeasures.The high-quality development of China’s policy oriented agricultural insurance has the characteristics of quasi public products,respecting the main status of farmers and policy orientation,which determines the reform direction and the government’s leading position of China’s policy oriented agricultural insurance performance.The main innovations of this paper are as follows:(1)Guided by Marxist political economy,this paper combs and analyzes the development history and current situation of China’s policy oriented agricultural insurance,explains the political economic meaning of China’s policy oriented agricultural insurance,and clearly points out that China’s policy oriented agricultural insurance has obvious quasi public product ownership,distinct respect for the main status of farmers,and policy orientation,which provides a new observation dimension and thinking for the in-depth study of the high-quality development of China’s policy oriented agricultural insurance and the improvement of China’s policy oriented agricultural insurance performance.(2)The in-depth study of the main contradictions and influencing factors of China’s policy oriented agricultural insurance has made up for the lack of relevant research.The research shows that in the face of the rapid development of new farmers and the basic agricultural conditions of large and small farmers,there are structural and quality contradictions between effective supply and effective demand in China’s policy oriented agricultural insurance.The direction and strength of the government’s guidance,the completeness of the agricultural insurance market system,the insurance willingness and economic conditions of the insured(new farmers and small farmers)are the main factors that affect the performance of China’s policy oriented agricultural insurance.The direction and strength of the government’s guidance play a decisive role and bear an important impact on other aspects.(3)Based on the closed-loop control system of agricultural risk,this paper puts forward targeted policy suggestions.Considering the new characteristics,new risks and new demands of new-type farmers in promoting the development of modern agriculture,we should start from the perspective of closed-loop control system of agricultural risks,summarize the experience and practices of previous policy oriented agricultural insurance,and further refine the tasks and objectives of policy oriented agricultural insurance to serve the Rural Revitalization strategy and the modernization of agricultural villages into basically complete functions,standardized operation,complete foundation,and adapt to the development stage of agricultural modernization,a multi-level high-standard agricultural insurance market system that conforms to the risk protection needs of farmers and is responsible for the division of labor between the central and local governments.The key to the high-quality development of China’s policy-oriented agricultural insurance is to improve the quality and efficiency.To improve the performance of China’s policy-oriented agricultural insurance,we need to respect the main body status of farmers,increase policy support,stand on the side of farmers,and give full play to their initiative and enthusiasm.Among the multiple subjects involved in policy-oriented agricultural insurance,the direction and strength of government guidance play a decisive role and have an important impact on other aspects.From the panel data,in the face of the new requirements of transforming the driving force of economic development,optimizing the internal structure of the economy and society,and transforming the mode of rural development,improving the performance of China’s policy-oriented agricultural insurance needs to constantly improve the market mechanism,and also needs the innovative support of scientific and technological applications.