A Study On The Way Of Agricultural Insurance Development In China

Our country is a large agricultural country, where the rural population form 85% of a total number, and the land above 90% is in the countryside. As the foundation of national economy, agriculture plays an important role in the economic life of our country. It is a foundation industry, but in the meantime it is a minority industry. Overall the natural geography condition of the agriculture production is poor in our country, because of frequent natural disaster and imperfect agriculture infrastructure, and also because the modernized degree of the agricultural science and techniques isn't high, and the ability of resisting the natural disaster is bad. The general countryside area is damaged by the natural disaster, particularly the drought and flood. At present, the main relief measure in our country is the state financial allocations, society supports, the enterprise and individual donation, but in the developed country it depends on agricultural insurance.As early as 30's in the 20th centuries, our country has carried on the experiment of agricultural insurance. After closed down 23 years in 1958-1981, the agricultural insurance business recovered in 1982, up to now already more than 20 years. It played a certain guarantee function to development of agricultural production in our country. Since the Sixteenth Congress of the Communist Party of China, the Central Committee and the State Council attach great importance to the development of agricultural insurance. But the agricultural insurance is faced with many difficult problems in the actual operation, such as the high rate of reparation, the loss of management in business, the slight scale and the slow development. So it is difficult to exert the important function in the prevention of disaster and decrease of damage in agriculture. Many factors have seriously restricted the development of the agricultural insurance in our country. They are lacking of a total programming, confusion of location, legislation lag, insufficient support of government and the low purchasing power of farmer, etc. Therefore it is highly necessary to combine the successful experiences of other countries with the actual agricultural insurance, to propose the path of agricultural insurance development adjusting to the rural area of our country by analyzing the existing pattern of agricultural insurance experiment, to develop well the guarantee function of the risk of agricultural insurance, and to turn the agricultural insurance into the valid means of resolving the problem of"agriculture, countryside and farmer"and developing the modern agriculture in our country.