| Agriculture is basic industry of national economy, and the development of agriculture affects directly the development of national economy. Agriculture is frangible industry with risk, agricultural producers are faced with bath natural risk and market risk. Agricultural insurance as an economy compensatory system to transfer risk and disperse loss plays the important role in assuring the continually and steadily developing of agriculture production. Agricultural insurance has developed in the world over one hundred years before, developed countries including some developing countries attach much importance to agricultural insurance and look it on as significant step of modern developing. Due to history and practical reasons, agricultural insurance in China still can't be adapted to needs of agricultural development, agricultural insurance has the feature of high risk and high loss ratio, it develops very slowly. Premier Wen Jiabao put forward a proposition to build a harmonious socialist society in government work report, and the problem of "agriculture, country, farmer" is the key problem of building harmonious society. It is obvious that agricultural insurance is one of crucial approaches to solve the problem mentioned above. Therefore it is very necessary to research agricultural insurance.The thesis consists of the following four sections: the first section is the theoretical analysis of agricultural insurance and economy. Firstly, the definition of agricultural insurance is given in order to make the following research smoothly, indicates agricultural insurance possesses special features, and how to take measures effectively to avoid agriculture risk taken by agricultural economy, including natural risk management and market risk management; secondly, introduces the supply anddemand of agricultural insurance. The second section expatiates the practical status of agricultural insurance and analysis of reasons. The first part introduces the history of agricultural insurance in China, make brief comments experiment and movement of operation mode of agricultural insurance, shows the flexural way of development of agricultural insurance. The second part indicates difficulty and particular problem to expand agricultural insurance based on the last part. The third part the reasons of depression of agricultural insurance can be analysed from the point of supply-demand and game theory. That the supply and demand of agricultural insurance have positive externality lead to lack of virtual supply and demand. The result of insurance company, government, farmer making game can also explain supply and demand of agricultural insurance. The fourth part is the analysis of the essentiality and feasibility of developing agricultural insurance in China. Significant development of agricultural insurance will benefit the continuance and stability of agriculture and meet the challenge to enter WTO, so it is necessary. With the support of national polices strengthened, with the obstacle conquered, it is feasible. The third is the analysis of the development models of agricultural insurance in China and foreign countries. Typical modes include: the US-Canada model, the Germany model, the Japan model, the western European model, the developing country of Asia model. In this part, the author analyses mainly the features and economic background of different models. Secondly three types of agricultural insurance models have been advanced in China, they are agricultural insurance institution set up by government which is fit for the policy of national agriculture, cooperative insurance model, commercial insurance model, therefore the actual choice of agricultural insurance in China at this stage is cooperative insurance as principal part and commercial insurance and policy insurance as supplement. Finally this part is the supervision of agricultural insurance. The fourth section sets forth some advices relatively base on the last section and emphasizes the proposition of building harmonious society. |
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