| Agricultural catastrophe insurance fund is special fund to cope with disaster,suchas drought,flood,earthquake,snowstorm and typhoon.It is used to pay the excess ofinsurance compensation when the catastrophe happened.It is a special insurance funddifferent from the general insurance liability reserve fund. Agricultural catastropheinsurance fund have characteristics of specificity, public welfare, policy andspare.The value of the establishment of agricultural catastrophe insurance fundsystem is not only providing huge claims and scattering agricultural catastrophe risk,but also mobilizing all the social capital to support agricultural catastrophe insurancedevelopment, and promoting the development and the use of related technicalachievements and theoretical achievements.The basic content of agricultural catastrophe insurance fund legal systemcontains four aspects:system mode,fud accumulation,fund management and the use offud.The rational choice of fud mode in our country is to establish a national andcomprehensive agricultural catastrophe insurance fund. Agricultural catastropheinsurance fund should raise money by diversified channels.The governmentinvestment must be the main channel, and the investment of agricultural producers,agricultural underwriter, capital market and social donation are as auxiliarychannels.It must make full use of social resources to raise money.Combined with themainstream view in the academia field,the management institution of agriculturalcatastrophe insurance fund could be agricultural insurance fund managementcommittee.It belongs to agricultural catastrophe risk administration,and it isresponsible for daily management and investment.Agricultural catastrophe insurancefund is mainly used for extra insurance compensation after agriculture hugedisaster.And the fund management institution can spend a part of the fund to preventagriculture huge disaster risk,support scientific research of agriculture huge disasterrisk management and investment. |
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