The Countermeasure Study On Development Of ShanDong Agricultural Insurance With Finance Property

Agricultural insurance is one of the key elements to explore establishing Shandong province's agricultural insurance model for the prevention and spread of Shandong Agricultural facing the natural risks of animal diseases and invasive alien species in the modern agricultural development, especially sustainable development. Shandong Agricultural uses "green box policy" in the international competition for the decentralization of government relief burden and the creation of a market-relief mechanism is of great significance. "CPC Central Committee on improving the socialist market economic system" and the "Central problem for farmers to increase revenue on a number of policy advice" all instruct clearly that in order to suit the actual conditions of China, we should accelerate the establishment of a policy-oriented agricultural insurance system. China Insurance Regulatory Commission has initially set in Heilongjiang, Jilin, Sichuan, Xinjiang, Shanghai and Inner Mongolia to conduct agricultural insurance. Based on agricultural insurance themselves, based on the development of agriculture and Shandong three rural Shandong understanding of the issue, the party and the government on the development of agricultural insurance clearly the level of knowledge, based on the China Insurance Regulatory Commission actively promotes the development of agricultural insurance pilot model and the experimental observations, we believe that as soon as possible insurance Shandong Agricultural Research and urgent implementation.Currently the thesis focuses on the operation of agricultural insurance practice, Shandong agricultural insurance business shrinking Analysis, Shandong Agricultural Insurance prospects for the development of Shandong agricultural insurance policy attributes and development can draw upon the experience and Shandong policy-oriented agricultural insurance in the five specific recommendations, expounded on the Shandong Agricultural Insurance Operation and Development Strategy of understanding.Current practice on the operation of agricultural insurance in Shandong province: in the paper the author comprehensively analysis the 1996-2005 agricultural insurance operations in Shandong on the basis that the insurance industry of Shandong's agriculture development can be summarized as follows : The province's agricultural insurance industry stagnated in the agricultural insurance business volume in the shrinking rapidly fluctuating around the trend, a considerable part of the city agricultural insurance gap has emerged in the situation.Reasons for the operation situation of Shandong agricultural insurance: we do not think it can be attributed to two reasons: First, economic, institutional, management, organization, policies for environmental reasons caused by inadequate supply Shandong Agricultural Insurance; Second, because of the low income of peasants, agricultural production organization behind low agricultural insurance to protect the agricultural insurance rates caused by insufficient effective demand in Shandong.Prospects for the development of Shandong agricultural insurance: as Shandong's agricultural production and natural risks facing business needs, a major agricultural province of Shandong has maintained its strong position, Shandong development of the rural economy and increase the incomes of peasants, agricultural insurance own function and role of the outward extension, and Shandong's agricultural production and operating system and many other potential demand and potential supply factors, Shandong Agricultural Insurance must be broad market space.Shandong agricultural insurance policy attributes: from the regulated a theoretical point of view, analysis, agricultural insurance was not fully available effects on the indivisible character of production operating on the scale nature of consumption on the without exclusiveness and achieved mode of the non-competitive, cost or benefit the extrinsic nature of interests of clearing the fuzzy, etc. six public items attributes, but practice agriculture insurance high-risk high costs, in a competitive market emerged in the effective supply with the effective demand the same time were insufficient, the agricultural insurance interests of the spillover characteristics, operating agricultural insurance existence of the special technical obstacles, as well as build agricultural insurance lift with someone else the existence of the phenomena of illustrate agricultural insurance is quasi-public goods. Quasi-public goods characteristics of the agricultural insurance decision agricultural insurance are the insurance policy. Agricultural insurance policy attributes indicate the existence and development of the agricultural insurance from the government to offset the financial subsidies and preferential system; Shows a policy-oriented agricultural insurance is not for profit, but to promote the welfare and stability of farmers for agricultural production; Shows a policy-oriented agricultural insurance to achieve the guiding role of industrial restructuring, the industrialization of agricultural production, scale, standardization and the role of market supply guarantees.Reference to the agricultural insurance needs of the insurance policy models; we need to examine the situation and the latest developments in the domestic agricultural insurance, but also in Shandong agriculture, the actual situation in the rural areas. Historical experience with the current practice shows that in the appropriate government support, agricultural insurance busine ss operations of agricultural insurance forms, and jointly operate agricultural insurance forms ensure that the rural cooperation in the form of agricultural insurance business in Shandong are able to promote the sustainable development of agricultural insurance organization and operational form. However, the province joint co-insurance business cooperation in agriculture and the rural agricultural insurance business insurance historical basis, the province is a major agricultural province, a huge potential demand for agricultural insurance, the establishment of professional agricultural companies direct comparison with the province's agricultural insurance business reality. Agricultural insurance company's scope of business and types of design-oriented agriculture, countryside and farmers, the fruits of the government's fiscal policy of non-policy subsidies and business operations guidance, as well as related operating systems and to ensure the safety of agricultural insurance. In other words, according to government subsidies of agricultural insurers + + business arrangements related to the mode of operation of Shandong agricultural insurance system.Development of Shandong Agricultural Insurance specific policy recommendations: fully understand the Shandong Agricultural insurance policy attribute meaning basis, we think the Shandong Agricultural insurance system model is relying on legislation to protect and promote the government agricultural companies operate independently, coordinated with the financial support of a combination of measures, agricultural insurance and other rural insurance mutually supportive, scope of protection and security of the region gradually expanding, strong underwriting integrated, flexible business policy-oriented business. Specifically the system model includes six aspects of that government support for the quasi-public goods and the supply model, agricultural companies operate independently of the organizational model, the "risk dependents and dangerous", "agricultural support farmers," the types of business models that determine development priorities and steps to gradually promote the management, promotion underwriting overall responsibility to reduce single liability underwriting business model, a flexible and diverse management tools market patterns.