The Study On The Problem Of The Policy Agriculture Insurance Development Of Jilin Province

Jilin Province is one of the biggest agricultural province of China: 57% of the population feeds upon agriculture, and the cultivated area is 388.14 million hectares. The natural disaster frequently occurs in Jilin Province, as a result, the rural economy development needs urgent support and protection from the agricultural insurance. In 2007, the country decided to develop experimental agriculture insurance in the six grain productive areas and three rubber productive areas which include Jilin Province. With one year's development, Jilin Province policy agriculture insurance has achieved remarkable fruits, while some new questions have arose at the same time. This article elaborates the policy of the agriculture assurance, introduces the Jilin Province policy agriculture insurance development, summarizes the bottleneck of the further development for Jilin agriculture insurance. Moreover, we propose the solutions to Jilin Province agriculture insurance by the literature research on the domestic advanced city.The full text was divided into five chapters:Chapter I is the introduction. The author mainly introduced the background, the significance and the structure of this article.Chapter II is the summary of the policy agriculture insurance. After the introduction of the agriculture, the agricultural insurance, and the policy agriculture insurance, we elaborate the reasons for the agricultural insurance policies & the urgent development of the policy agriculture insurance in current china.Chapter III is the present situation and the question of Jilin Province policy agriculture insurance. Since the foundation of Anhua agriculture insurance company in 2004, which aims to develop the agriculture insurance, Jilin Province has achieved a surprising progress, while some puzzles of the policy agriculture insurances has appeared. Problem One, due to the local government's insufficient publicity, the peasants still lack insurance consciousness; Problem Two, the undeveloped financial status makes the fund support less easy to be realized; Problem Three, the peasant insurance premium is difficult to collect; Problem Four, the cost for the insurance company is very high; Problem Five, the mighty disaster fund has not been established as yet.Chapter IV is the agriculture insurance experience of domestic advanced city. We mainly introduced the experiences of the policy agriculture insurance of Shanghai and Xinjiang which provided the fund subsidy and gives the preferential policy development. This paper summarizes its worthwhile experiences as: 1), the government impetus and the vigorous support is the premise; 2) the financial policy support is a VERY important prerequisite; 3) a series of guarantees, together with re-guarantees, and so on is effective in management; 4)the rural economy cooperative society is an important platform; 5)a compulsion as well as an involuntary attitude to purchase insurance is the correct choice.Chapter V is the strategy of policy agriculture insurance development and the realization measures in Jilin agriculture. Jilin agriculture insurance system has to be established based on the realistic condition of Jilin agriculture, according to the advanced experiences from both the domestic and foreign advanced experiences, On the basis of the viewpoints of the domestic insurance experts, the author proposed the strategies of the agriculture insurance development in Jilin Province and elaborated the realization measures.Chapter VI is the conclusion. The author believes that: with paying more attention to the problem of "the rural, the agriculture, the peasants", Jilin Province should make full use of agriculture insurance to make the rural rich, the agriculture efficiency, and the farmers wealthy. Basing on the advanced provinces'useful experiences, Jilin province should develop the model of agriculture insurance of its own, give full play to the government in the agricultural insurance of the leading role, and eventually establish Jilin agriculture insurance which is suitable for the productivity level of development, industry structure, the risk characteristics of agriculture, and farmers demanding.