Construction Of China Legal System Of Agricultural Insurance

The agricultural insurance always is a topic which the various countries pays attention, a national agriculture development and the agricultural insurance have the close relation, but the agricultural insurance development also benefits from its legal, the laws and regulations consummation.Looked on the present our country national condition that, our country took a developing nation, took a large agricultural nation, in the agricultural production process, the labor force, the producer goods and the object of labor often occupies the natural disaster and during the accident threat, but individual peasant oneself resists natural calamities the ability to be extremely limited, aggravated the farmer burden in the certain degree, moreover seriously has hindered our country agricultural economy development. But our country until now still did not have a set of complete agricultural insurances aspect the legal laws and regulations, caused the agricultural insurance the operation and develops inevitably marches into the difficult position. If the existing management agriculture insurance service insurance company only has the People's Insurance Company and China unites the insurance company (original Xinjiang army corps insurance company),but as a result of agricultural insurance high risk, high cost, high-pay characteristic, moreover the country also does not have this aspect law laws and regulations the basis and the standard, causes these insurance companies to lose money for the reduction manages the agricultural insurance the service gradually to reduce, this has seriously affected our country agricultural economy development. It is well known, the insurance is the commodity economy product, it develops along with the commodity economy development, therefore the agricultural insurance also is the commodity economy develops the certain stage product, but the commodity economy needs to want to develop depends on the legal promotion and the safeguard. Therefore, must develop the agriculture to be safe, maintains our country agriculture the sustainable development, speeds up the agricultural insurance law system the construction is imperative.This article through carries on the analysis to the domestic and foreign agricultural insurance legislation present situation in the foundation, further conducts the thorough research to the agricultural insurance basic legal matter, to constructs conforms to our country national condition agricultural insurance legal framework to propose own opinion. By the time through the agricultural insurance law, the laws and regulations system consummation, gradually solves the development agriculture insurance necessity with its comparative advantage low contradiction; Between standard, coordinated government, insurer and insured's relations; And provides the powerful system safeguard for the Chinese agriculture insurance operation.This article elaboration, altogether divides into three major parts:First part: Introduction. Simply introduced the domestic and foreign agricultural insurance the legislation situation, unifies our country truth analysis reason, proposes the agricultural insurance law laws and regulations consummation to the our country agricultural development vital significance and its the influence.Second part: Main text. This part is this article main body, divides three questions elaboration. Firstly, agricultural insurance and its legislation. The main elaboration agriculture insurance concept and its classification, and through to its characteristic and the function understanding, analyzes the agricultural insurance the particularity. Meanwhile for the further research, author analysis the domestic and foreign agricultural insurance legislation present situation. Next, agricultural insurance basic legal matter research. Main research includes agriculture insurance localization question, agricultural insurance scope, insurance way, insurance organization and responsibility main body. Through to these basic legal matters research, constructs for our country agriculture insurance law system provides the powerful rationale. Thirdly, agriculture insurance law system constructing in our country. Through the above analysis proof, unifies our country at present the agricultural insurance practice, further elaborated our country agriculture insurance legislation necessity and the feasibility, and from the legislation mentality, the legislation content aspect puts forward the frame proposal to our country agriculture insurance legislation.Third part: Conclusion. This part is summary which elaborates to the author above, and further emphasizes the importance of agricultural insurance legislation, then proposed our country agricultural insurance legislation needs to solve several key questions.