The Research Of The Sustainable Operation Of Policy Agricultural Insurance In Guizhou Province

This thesis takes the structuring of the agricultural insurance patterns as research subject, and unifies methods such as theoretical and practical analysis, qualitative and quantitative analysis, to establish agricultural insurance mechanism in Guizhou Province。Agricultural insurance is an important part in agriculture safeguard system, promoting agriculture industrialization, stabling farmer's incomes, enhancing the agricultural lender's anticipated income and so on, But also a Green Box Policy permitted by WTO to support agriculture. Guizhou province, where the type of natural disaster is much and distributed broadly, urgently needs Agricultural insurance to protect the economic development of agriculture, while the implementation of commercial operation of agricultural insurance make agricultural insurance business continued to shrink, security function is difficult to show, How to start the work of policy agricultural insurance and establish a higher capacity and operational efficiency of agricultural insurance system, it is very important in guizhou province.Based on the deep analysis of the production risk of cropping sector, agricultural insurance development, In view of successful experience of agricultural insurance development in home and abroad, this paper analyzes the reference effect on the structuring of the policy agricultural insurance in Guizhou, we should choose the pattern:"establish mufti-channels supporting policy agricultural insurance in which the local government leading, commercial insurance company engaging". This pattern is neither full market-oriented nor complete policy pattern, but the integration of the both.First, analysis the agricultural risk in Guizhou Province and its impact on agricultural economy, farmers living, GDP, leads to an urgent need to establish an effective insurance mechanism to protect the agricultural economy in Guizhou Province。Second, Agricultural Insurance operating results in Guizhou Province at this stage: the development of commercial operation is difficult, agricultural insurance business continued to shrink,through the effective supply of agricultural insurance and effective demand point of view, reference characteristics of rural financial in Guizhou Province, giving the reasons: the potential of agricultural insurance public goods nature,the low level of household income, financial support is not enough,Draw agricultural insurance policy must be implemented, and the feasibility of the policy of agricultural insurance in Guizhou Province, Moreover, through Economics analysis of policy Agricultural Insurance: the production of externalities of agricultural insurance, agricultural insurance consumption externality and market failure, under the commercial mode of non-effective agricultural insurance market equilibrium "of supply and demand double cold " analysis in Guizhou Province, Policy-oriented agricultural insurance through the welfare economic analysis of subsidies for agricultural insurance needs come to strong government support. According to the factors that influence the development of agricultural insurance, give appropriate recommendations: analysis the adverse selection in agricultural insurance and the expected utility and behavior of the insured for farmers, taking into account the developmental needs of agricultural insurance law of large numbers theory, put forward An innovation :The interests of the induced mandatory insurance, Analysis of the level and structure of household income and expenditure, fiscal income and expenditure structure, building models that farmers in Guizhou Province, with the improvement of income levels, the stronger support of financial expenditure, agricultural insurance will go on developing, built the initially business model and needs Improvement of related facilities ; The risk of agricultural insurance accumulation to insurance companies, but how spread the risk out effectively, thereby reducing the catastrophic impact on the insurance company, we must study the risk of loss compensation mechanism, the government compensation mechanism, market compensation mechanism, or The combination ,compensate the risk in Guizhou Province, can not rely solely on the role of the Government or the markets, must be combined effectively。Finally, in view of the South Snow Storm in 2008 caused economic losses, how to effectively reduce losses to the agricultural insurance catastrophe inflicted on the development of agricultural insurance ,must be the dual operation: general insurance and catastrophic risk insurance,through the establishment of catastrophe,The need for catastrophe insurance, and the success stories of catastrophe insurance overseas, Proposed establishment of a nationwide catastrophe insurance mechanism and build the initial catastrophe insurance model, and Guizhou Province as a risk unit insurance. This conclusion is more feasible and operable for policy agricultural insurance in Guizhou,...