Study On Construction Of Policy Agricultural Insurance System In China

China is a developing agricultural country, in where agriculture takes up a special important strategic position.because directly affected by the natural conditions and the environment, faced the threat of natural risks in the production process,China's agriculture loss huge every years. But, as an important component of modern social security system, agricultural insurance has beening limped in China.As the agricultural insurance covers the special agricultural risks, from the view of the development process and the characteristics of China's agricultural insurance, the purely commercial insurance companies can not operate the agricultural insurance. Therefore, choos--ing a agricultural insurance system which can sustainable development has become a top priority. The success of policy agricultural insurance system in foreign countries has given us a major revelation. In this context, the China government made the decision to develop policy agricultural insurance system in 2003, and started experiments.Basis on the concept, subject and theoretical principle of policy agricultural insurance, this paper described the course and character of agricultural insurance in China and China's policy agricultural insurance experimental conditions, from the theory and practice view proved that there is inevitable choice to development policy agricultural insurance model which can develop sustained in China. Then, introducd the typical pattern and successful experience of foreign agricultural insurance, and discussed the problem of insurance product pricing and financial subsidies, which play a decisive role in China's agricultural insurance, fi--nally, proposed the principles, overall framework and support mechanisms on building a system of agricultural insurance in China. Hold that China's policy agricultural insurance system should follow the principle which Consist of the Legislative priority, according to local conditions and capabilities, Supporting agricultural Insurance products on hierarchical,combination of induction and mandatory,multi-business insurance and reinsurance, pilot first before promote and so on. the overall framework of national Agricultural Insurance Management System should be a Various, diversity and Multi-level business model, which Composition by mutual agricultural insurance company, policy-oriented agricultural insurance company, specialized agricultural insurance company, local government support for domestic and foreign commercial insurance company as the Operate organization; national policy agricultural re-insurance special fund as the "last line of defense".