China's Agricultural Insurance Business Model Research

Agricultural industry is the basement of domestic economy. Every country pays great attention to the development of agriculture. Agricultural insurance plays a protective role in the healthy development of agriculture, so the survey on the agricultural insurance has a rewarding and realistic significance. Nowadays, the issue on agricultural insurance is more and more obvious but the relative theory research on this problem is a bit weak, especially the systematic research on the mode of agricultural insurance is comparatively little. For so, this paper explores and studies the mode of agricultural insurance. The primary purpose for the exploration and research on the theory of agricultural insurance and the establishment of the management mode is to delete the misunderstanding on theory and cognition, to build and improve the operational mode of agricultural insurance, to serve for the problems of"agriculture, rural areas and farmers better, and to show the great role that the agricultural insurance plays in building up our national economy.The paper analyzes the issue around how to establish the management mode of agricultural insurance suitable for the national condition of China. This thesis is divided into three parts: The first part discusses the basic problem related to the agricultural insurance, especially analyzes the elementary agricultural insurance theory about this research. The second chapter is the core part of the whole thesis. It gives the specific analysis about some overseas advanced countries'experience and enlightenment of agricultural insurance, the developing process of our nation's agricultural insurance and its main participates, and the merits and demerits of Chinese insurance operational mode. The writer adopts the economics basic hypotheses to analyze the famers'behavioral characteristics and the elements to influence famers'insurance behaviors, analyze the government's behavioral characteristics and the elements to influence the government's behaviors, and analyze the characteristic of the commercial insurance'management of agricultural insurance and its influential facts. The conclusion is that there is no way for the commercialization of agricultural insurance management. The third chapter is about establishing the mode of agricultural insurance which is suitable for our national situation. Through the analysis of the agricultural insurance's main participates, the contrast of the merits and demerits of the present operational mode of the agricultural insurance and mirroring the overseas developed countries'agricultural insurance, the writer will put forward the principles, frameworks , the technical supports and the protective methods.The writer's primary conclusion is: the nature of agricultural insurance belongs to policy insurance. Nowadays, the management of Chinese agricultural insurance must take the measure of combining the policy and commercial ways. The government should play a dominate role in this kind of management and it should proceed form the interests of the whole society and try its best to support the development of agricultural insurance. At the same time, for the reason that there are great differences between various areas in our country, carrying on the uniform management mode of the agricultural insurance is not suitable for our country's concrete situation. So we should practice the diverse operational mode that the government should be the leading force, the farmers be the cover insurance, and the commercial insurance company or some other insurance agent institutions be the carriers.