On Chinese Policy Of Agricultural Insurance System Pattern Choice

Agriculture is basic industry of national economy,and the development of agriculture affects directly the development of national economy. Agriculture is frangible industy 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. Due to historial and practial reason, agriculture insurance in our country losses in a long-term and the Scale premiums is in a trend of shrinking . In recent years, with deeply study of agriculture insurance of domestic theoretical circles and multi-round test of agriculture insurance under the government-led, agriculture insurance development of our country is close having entered the new stage.But, agricultural Insurance remains insufficient effective demand and supply shortage, lack of catastrophic risk protection system and the lack of financial and tax policies to support. At present ,the main reason of domestic agricultural insurance for these problems is the lack of an effective system to supply pattern.So to study Agricultural insurance system for foreign and practice of domestic agricultural insurance pattern, and to select suitable to China's national conditions of agricultural insurance model,have the great theoretical and practical significance.This paper take the principle of economics and the system economic as the basis, take to agricultural insurance's characteristic and the status, the practice of domestic and foreign agricultural insurance and the research of agricultural insurance system pattern as the subject, how regarding to establish the system pattern suited to our country national condition and the institutional arrangements launches the analysis.The whole thesis consists of six chapters:Chapter one.This part to this article research background, the aim and the significance, the domestic and foreign research tendency, the research technique and the possible innovation place to have carried on the elaboration.Chapter two. Summary of the Development of our country agricultural insurance. This part has carried on the analysis to the concept and the characteristic of agricultural insurance, elaborated analysis of our country agricultural insurance development process, has carried on the quite objective evaluation to the present situation of our country agricultural insurance development and the existence question, thus to construct and innovates the agricultural insurance system to lay the foundation.Chapter three. Agricultural insurance system and pattern. This chapter from system economic's angle embarking, to the system, the agricultural insurance system and the agricultural insurance system pattern's concept carries on the limits, and carries on the multianalysis to the agricultural insurance system pattern's component elements, provides the theory support for the agricultural insurance system pattern's research.Chapter four. The overseas agricultural insurance system pattern comparison and reference. This part analyzed the agricultural insurance management to compare the successful European and American developed country and the Asian partial developing country for the agricultural insurance institutional arrangements and the design, summarized the overseas experience, to promoted our country agricultural insurance system's innovation provided the beneficial enlightenment and learn from.Chapter five. Our country agricultural insurance system pattern of practice. This part has carried on the elaboration in the last few years to our country's agricultural insurance experiment site situation, analyzed its experience, has given some enlightenment to the agricultural insurance system construction.Chapter six. Our country policy-type agricultural insurance system pattern choice. On the basis of comparative advantages and disadvantages to each agricultural insurance system pattern in the foundation, the part selected one of most suitable our country national condition of the policy-type agricultural insurance system pattern, namely under the government leadership the agricultural insurance policy-type localization, the commercialization operation pattern was more in line with the national conditions of China realistic choice.