Measurement On Subsidy Of Policy Tobacco Insurance In XingShan County, HuBei Province

Agricultural insurance is one of the 'green box' policy allowed by prescription of agricultural conference of WTO to impel the agricultural economic develop well.It will sustain and protect the development of agriculture.So far,the academe has come to consensus with the implement of policy agricultural insurance,while the hardcore of policy agricultural insurance is fiscal subsidy to agricultural insurance.The research of agricultural insurance includes the object,the amount and the mode of subsidy.The calculation of the amount of subsidy of agricultural insurance is the key point among those terms mention above.The calculation of the amount of subsidy affects the effect of subsidy directly.On one hand,it won't achieve the intention increasing efficient demand and supply,while the subsidy is too low.On the other hand,it will depress the efficiency of resource collocation and distort the function of agricultural insurance,if the subsidy lays too high.On the base of the retrospect of the prevenient calculation of subsidy of agricultural insurance,a way to calculate the amount of subsidy of tobacco insurance in Xingshan county will be proposed in this paper,besides,an empirical analysis is done using relational data.,hoping the calculation proposed in the paper will be useful to direct the material operation and promote the development of agricultural insurance in our country.The main conclusions are as follows:The 1st,using the insurance against all risk redefinited by actual product history (APH) and nonprarametric kernel density,the pure rate of premium of tobacco insurance in Xingshan county is 5.34%and 5.52%separately,while the average value is 5.43%. After the modulating the pure rate of premium of the insurance against all risk,the redefinited pure rate of premium of tobacco insurance under the current items is 5.29%. considering the management expense and profit in reason of insurance company,the actual rate of premium of tobacco insurance is 7.3%.It means when the insurance coverage is 100 RMB,the actual premium is 7.3 RMB.The rate of premium is a little lower than actual rate of premium in Xingshan County.The 2nd,collecting relational data investigated by the adoption of contingent valuation method(CVM),analyzing it by PCE model,we get the main factors affecting the willingness to pay of farmers to the tobacco insurance.They are the judge of essentiality of tobacco insurance,the average loss of tobacco production brought by the nature disaster,the age of farmer and the annul pure income per family.Meanwhile,the judge of essentiality of tobacco insurance and the average loss of tobacco production brought by the nature disaster have the positive effect to the willingness to pay,while the age of farmer and the annul pure income per family have the negative effect to the willingness to pay.The 3rd,on the base of finding the factors which affect the willingness to pay,get the function between willingness to pay and rate of insurance covering according to calculating survival function.Also,figure out the willingness to pay are 7.28,5.02,3.07,1.91,0.91(RMB) per unit of area separately when the rate of insurance covering are 50%,60%,70%,80%,90%when the insurance coverage is 100 RMB per unit of area.The 4th,during the calculation of the amount of subsidy,we take the margin between the proportion of willingness to pay to actual premium and 100%as the rate of subsidy,in the condition of different rates of insurance covering.Then,we can establish the function connection between the rate of subsidy and the rate of insurance covering, afterwards,figure out the rate of subsidy are 2.00%,32.60%,58.90%,69.60%,85.60%, when the rates of insurance covering are 50%,60%,70%,80%,90%.The 5th,establish the function connection between the rate of insurance covering and the amount of subsidy about the tobacco insurance in Xingshan county.Suppose the area of tobacco planted is 3,5000 units of area,the insurance coverage is 100 RMB,when the rate of insurance covering is 50%,the amount of subsidy is 2572.50 RMB;when the rate of insurance covering is 60%,the amount of subsidy is 50318.10 RMB;when the rate of insurance covering is 70%,the amount of subsidy is 106064.20 RMB;when the rate of insurance covering is 80%,the amount of subsidy is 143236.80 RMB;when the rate of insurance covering is 90%,the amount of subsidy is 198185.40 RMB.