Risk-based Decentralized Agricultural Catastrophe Insurance Strategy Of China

At present, the China's agriculture problems have become important problems facing our society. China's agricultural catastrophe occurs frequently, resulting in a huge number of losses. At the same time. China has not really establish agricultural catastrophe insurance system, when the agricultural catastrophe occurs, our society can't provide farmers with basic production and livelihood security. Agricultural Catastrophe Insurance as a market-based risk transfer and loss sharing mechanism, in the spread of agricultural risks, compensation for agricultural losses, improve agricultural comprehensive production capacity to play an important role. Therefore, risk-based decentralized agriculture Catastrophe Insurance Strategies theoretical study and practical applications are very important..In this thesis, we first introduce the status of China's agricultural catastrophe, catastrophe insurance-related theory, and analyze the basic law of China's agricultural catastrophe. Describe the present situation of China's catastrophe insurance and the plight of agriculture, and summarized the development countermeasures of China's agriculture Catastrophe. Moreover, discuss catastrophe insurance, agriculture, business strategy, and development of agricultural catastrophe insurance safeguards.First of all, this thesis give the definition of agricultural catastrophe conducted a comprehensive description, according to the causes and frequency of occurrence will be China's agricultural catastrophe category. Show summarized the frequency of catastrophic rise in agriculture, and catastrophic loss of the basic trend of unprecedented growth, to generalize the practice of China's agricultural development experience catastrophic insurance to test the waters and restore a dwindling three stages, pointed out that the loss overwhelmed, missing the agricultural catastrophe insurance business entities with little agriculture and catastrophic risk insurance products are China's agriculture faces three major problems Catastrophe Insurance.Second of all, catastrophe Insurance for China's agricultural losses overwhelmed the problem exists on the need to establish mechanisms for Agricultural Catastrophe Insurance risk diversification. Through its own capital, foreign capital, and agricultural catastrophe reinsurance, insurance, securities research and analysis of four kinds of methods, drawn from the four management systems establish the conclusions of risk diversification. Thirdly, we focused on catastrophe insurance, loss of agricultural operations of the main issues, further analysis of agricultural catastrophe insurance business model. The view that China's agricultural catastrophe insurance should choose a policy model, the purpose is to better spread the risks. Through policy-oriented agricultural catastrophe insurance, short-, medium-and long-term pattern of comparative analysis, clarity of China's agricultural catastrophe insurance risk should be chosen for different periods of different business model. Meteorological data through the analysis of geographic, established the same kind of catastrophic risk should be based on the geographical distribution as a regional division of the standard principles and divided China's agricultural catastrophe insurance business five regions..Finally, we focused on rare catastrophic risk insurance products in agriculture issues, on agricultural catastrophe insurance product development carried out in depth. Identified as the basic unit of a regional development of agriculture, the basic principles of catastrophe insurance products to wheat as an example of China's agricultural catastrophe insurance pricing useful explorations of that support system for risk-based decentralized agriculture development of the fundamental guarantee for Catastrophe Insurance.