Policy Support Research On Agricultural Insurance Of Heilongjiang Reclamation

16 Fifth Plenary Session the build socialism new countryside determination for our country modernization process's in significant historic task, party's Central Economic Working Conference will have made the concrete deployment to our country build socialism new countryside. Socialismnew countryside construction immediate influence economic society's development and harmonious society's construction. The agricultural insurance is the new rural reconstruction important safeguard, simultaneously is also one which of important tasks new rural reconstruction's needs to construct. Because the agricultural insurance is the agricultural support protection system's important component, to guards against the agricultural risk, to safeguard the farmer benefit, to promote the rural economy sustained development, to guarantee that the countryside has the influential role stably. At present our country agricultural insurance made the considerable progress, the situation has been good, specially the Heilongjiang Province agricultural insurance's experiment site walked in the national front row, but in the whole the agricultural insurance market non-steady state, did not have display its influential role maximum limit, its substantial clause lay in lacks the government in financial, the tax revenue, legal and the other related system's support vigorously, certainly this concerned with our country national condition. Therefore, the solution agricultural insurance's policy-type support question, inquired about that suits our country agricultural insurance development support system, is an agricultural insurance development key link, the agricultural insurance development to promotes the agricultural insurance even is the entire agricultural economy development significance is significant. This link solution is not good, seriously will hinder the agricultural insurance the development, the overseas agricultural insurance's success will basically establish in the government reasonable and in the powerful policy-type support foundation. Therefore, our country agricultural insurance's policy-type support question urgently awaits to be solved, specially as agricultural big province's Heilongjiang Province, the government should even more take seriously to this question, must enlarge gradually to the agricultural insurance support dynamics.In world developed country, like US, Japan, as well as some developing countries, like the Philippines, India, take the agricultural insurance, regards as the agricultural insurance the agricultural relief, a farmer welfare policy part, comes the stable agricultural production, increases the farmers' income, these country's insurance plan is by the government formulation and implementation, the government carries on the fund the support, bears completely or the partial agricultural insurance management management fee, gives certain subsidy to the insurance peasant household; At the same time, these countries for the guarantee agricultural insurance's smooth implementation, give the safeguard in abundance in the legal regime, increases the government intervention agricultural insurance through the legislation ability. If in 1938 the US took the lead to promulgate "Federal Crops Law of insurance", Japan also and in 1947 has promulgated "Agricultural Law of insurance" in 1938 and "Agricultural Disaster Compensation method", the Philippines has also signed and issued "Crops Law of insurance" in 1978 by president.With overseas compares, our country agricultural insurance development step is slow, regardless at present from legal regime's construction, from fiscal levy's support, cannot meet the need which the agriculture develops unceasingly, the agricultural insurance lacks the policy-type support. As agricultural insurance experiment site Heilongjiang Province, although has a management agricultural insurance several year experience, but its development is also walks with difficulty, the agriculture and reclamation and the higher authority government has given certain fiscal subsidy, but cannot satisfy the agricultural insurance development obviously regarding agricultural big province the demand, simultaneously in the country agricultural insurance legal regime environment deficient situation, the Heilongjiang Province consummation's legal regime support system, has further not hindered the agricultural insurance development. Therefore, the above these give the study agriculture insurance policy-type support question to leave behind certain space.This article take the Heilongjiang Province reclamation area as an example, in Heilongjiang Province agricultural insurance policy-type support present situation investigation and study foundation, and through to domestic and foreign agricultural insurance policy-type support research, synthesis utilization standard research and empirical study method: Carries on the analysis from the economic angle to the policy-type support's necessity, conducts the empirical study to the Heilongjiang Province agricultural insurance's present situation; Questionnaire survey method: When to Heilongjiang Province agricultural insurance policy-type subsidy situation investigation and study, uses designs the good questionnaire to carry on the investigation and study; Apply theory to reality method: Will unify to the Heilongjiang Province agricultural insurance policy-type support's question's economic analysis and the actual situation; Comparative analysis method; Carries on to the domestic and foreign agricultural insurance policy-type subsidy's practice quite studies. This article fundamental research content mainly has including the following four aspects:1. Heilongjiang Province reclamation area agricultural insurance policy-type support necessary theory and reality basis. This part mainly through agricultural insurance's public goods theory, the agricultural insurance market's information asymmetrical theory, agricultural insurance's exterior innate disposition concerns the agricultural insurance market main body behavior in the simple gambling analysis to carry on system's analysis and the proof to the agricultural insurance necessity, then from agriculture own characteristic, in the agricultural insurance development's demand insufficiency and the supplies are limited, the legal regime, the agricultural insurance are right"three agriculture"aspects and so on function and significance, analysis agricultural insurance reality basis. Provides the basis for the question research.2. Heilongjiang Province's agricultural insurance policy-type support present situation. This part is mainly through obtains the data, the material to the questionnaire survey way, the union historical data respectively from the Heilongjiang Province reclamation area agricultural insurance experiment site is the sunlight agriculture mutual insurance company experiment site operation situation, including sunlight mutual insurance company system characteristic, modes of business operation, concrete procedure and so on; Heilongjiang Province aspects and so on agricultural insurance system and laws and regulations construction carry on the analysis and the research, finally summarizes the reclamation area agricultural insurance development faced with the subject matter, provides the basis for the following study agriculture insurance policy-type support system construction.3. Domestic and foreign agricultural insurance policy-type support experience and enlightenment. This part first to as represents the overseas developed country agricultural insurance take the US and Japan the policy-type support practice elaboration; Next to represent in the overseas method exhibition to India and the Philippines the national agricultural insurance policy-type support practice elaboration; Once more to domestic Shanghai experiment site policy-type support practice elaboration. Finally carries on the comparative analysis to above policy-type support's practice, obtains to the Heilongjiang Province agricultural insurance enlightenment. This part studies with the second aspect provides the support together for the Heilongjiang Province reclamation area agricultural insurance policy-type support system's consummation.4. Heilongjiang reclamation area agricultural insurance policy-type support system's consummation. This part is in the front three part research foundation, first proposed consummates the Heilongjiang Province reclamation area agricultural insurance policy-type support system's guiding principle, acts according to the Heilongjiang Province agricultural insurance policy-type support under this principle the practice investigation, is consummating the reclamation area agricultural insurance policy-type subsidy system, the tax preference system, strengthens the agricultural insurance legal regime construction, to consummate the reclamation area agricultural insurance related throw good money after bad to support several aspects to suppose proposes the countermeasure and the suggestion.