China's Agricultural Insurance Catastrophe Risk Dispersion Mechanism

China is a large agricultural country, agriculture is the foundation of the national economy in China has been on the proposition for 60 years, stability and development of agriculture in China's economic development and social stability. At the same time, China's agricultural natural disasters in the world the most serious one of the few countries, many kinds of agricultural disaster, high frequency, wide distribution, regional agricultural losses caused enormous. Agricultural insurance as a market share of risk transfer mechanism, and loss of agricultural risk, stable in scattered agricultural production and ensure the national food safety, and to promote national economic steady development plays an important role, etc. However, the agricultural insurance is also risk issues, and other insurable risk compared with high concentration, agricultural risk, regional characteristics of strong, agricultural risk unit in floods and drought disaster loss of natural disasters, and often show time and space, and because of the high correlation between current agricultural insurance limited in local areas, regional agricultural insurance company pilot dispersed risk ability is limited, once produce a catastrophe usually will devour agricultural insurance risk reserve fund managers and even have serious impact on financial stability of agricultural insurance operators.Based on the system economics, insurance, agriculture, the new institutional economics, and mathematical statistics related theory and statistical software, and on the basis of agricultural insurance around the catastrophe risk of optimization and improve the mechanism of scattered from the center, the agricultural insurance pilot areas scattered catastrophe risk system construction situation and existing problems in full, and other countries and regions, foreign agricultural insurance catastrophe risk of successful practices and dispersed mechanism under the premise of advanced experience, the author put forward the suitable for China's national conditions and the characteristics of agricultural production of agricultural insurance catastrophe risk overall mentality and the scattered mechanism, and China's agricultural insurance multi-level catastrophe risk of construction and improve the mechanism of decentralized strategy choice, and put forward the corresponding path arrangements.