Problemes And Strategies On Policy-Oriented Agricultural Insurance In HuaiNing County

In February2004, Chinese government brought forward to expediting the process to develop the Policy-Oriented Agricultural Insurance in some areas.In April2008, the Policy-Oriented Agricultural Insurance began in AnHui Province. In May2008, the Policy-Oriented Agricultural Insurance began in HuaiNing County.They make progress Policy-Oriented Agricultural Insurance in HuaiNing County.At the same time, there are also a lot of barriers in work. For example, lack of agricultural insurance legislation, the local officials’reservations and so on.The insurance company have strong dependences on government.The service system is unperfect.There are lots of faults in encourgment to insurance company.The official background of insurance company is bad for inspire enthusiasm to work. The organization degree of local famers is at low level.Famers’adverse selection, moral hazard is very serious.Famers’low degree of needs to policy agricultural insurance and influence the Policy-Oriented Agricultural Insurance.The most important reason is lack of unified authorities.The result is it is difficult to set agricultural insurance legislation in AnHui. The traditional opiniones of preparedness against natural calamities influenced the official and farmers ideas on Policy-Oriented Agricultural Insurance.The relationship between local government and superior government,flat government deviate the local interests of Policy-Oriented Agricultural Insurance.There are faults in encouragement systemes.The local famers is at an low degree of organization, and they have negative perception for Policy-Oriented Agricultural Insurance.The government should set an specialized authorities in order to set agricultural insurance legislation in AnHui.And then, design a suitable performces evaluation system for Policy-Oriented Agricultural Insurance.lt is suggested that compulsory insurance should be thought.Expand Meteorological index insurance to save cost.Based on the local conditiones. develop modern agriculture to play Policy-Oriented Agricultural Insurance.The institutional reform, decision mechanism of Policy-Oriented Agricultural Insurance should also be improved at the same tiome.Think highly of Farmers Cooperatives in expessing famers needs, lead in college students’village official.Make full use of policy to cultivate new farmers who is interested in planting.