A Study On The Current Development Of Sichuan Agricultural Insurance

The problems of the agriculture, the countryside and the farmer have always been a major concern of the Party and the country’s economic and social issues. Agriculture is a basic industry of national economy, but also a weak industry, it requires the development of agricultural insurance to protect agricultural productions. The agricultural insurance has resumed the launch since 1982, our country has never stopped exploring the agricultural insurance, but its development lagged far behind the level of economic development, it hasn’t been able to a certain extent the true compensation for risk, the stable rural economy function. Sichuan is not only a big agricultural province, but also a natural disaster-prone provinces, frequent natural disasters hindered the development of rural economy, so the vast number of farmers has brought great difficulties in life. Since 2004, Sichuan’s agricultural insurance has made some achievements, but there are still many problems, such as lack of effective demand and effective supply.The main context:The first introductory section, mainly the background and issues,domestic and international research trends, research content, research methods and lack of innovation. The second chapter describes the situation of agricultural production in Sichuan and the characteristics of agricultural production, and the types of natural disasters. Reviewing the history of the development of agricultural insurance in Sichuan, introduced the development of agricultural insurance, analyzed the current agricultural insurance market in Sichuan problems. The third chapter, combining the on-the-spot investigation data, the author has analyzed the impact factors of the development of Sichuan agricultural insurance. The fourth chapter from the expansion agricultural insurance demand, increasing the agricultural insurance supplies aspect to put forward the policy proposal.The main conclusions:Firstly, the development of Sichuan agricultural insurance has achieved certain results since 1982, but there are still many problems, such as lack of effective demand, effective supply and legal protection, and so on. Secondly, About the farmers, the cause of lack of effective demand are due to there are so many risk aversion means, insurance awareness is not strong, low income levels. Insurance companies, high operating costs, positive externalities and moral hazard, adverse selection will affect the supply of agricultural insurance company. The government aspect, there is lack of legal protection of agricultural insurance, agricultural insurance subsidy is not wide range of varieties, subsidies and other forms of a single phenomenon.Finally, according to above analysis, the author put forward the policy proposal. Such as, raising the farmer’s income, increasing the awareness of agricultural insurance; The Insurance company increasing the agricultural insurance propaganda, improving the service quality; The government aspect, developing the local agricultural insurance regulations, and establish the multi-level risk-sharing mechanisms...