The Exploration Of Ways To Get Out Of The Dilemma Of The Supply And Demand In China’s Agriculture Insurance

Agriculture is the foundation of national economy, and prerequisitefor other sectors of the national for further development. At the sametime agriculture is also a weak industry which highly dependent on thenatural environment. The Income of farmers and the agriculturaleconomy are in a state of extreme uncertainty. As an effectivemechanism, agricultural insurance play a major role in transferring anddispersing the risk of agriculture, sharing the economic loss. This paperdescribes the lack of supply and demand status of Chinas agriculturalinsurance, through the use of theoretical knowledge of economics andthe field survey, combined with empirical research methods, deeplydiscussed the reason of lack of supply and demand of agriculturalinsurance and put forward policy and suggestions accordingly at last.As follows, six parts compose the theme.The1st chapter is introduction. This chapter describes thebackground and significance of topics, research methods, researchcontent, and the possible innovation and inadequate of the paper.The2nd chapter is literature review and related theory. This chaptersummarized the domestic and international research situationconcerning supply and demand for agricultural insurance and therelated theory the paper need to use.The3rd chapter is the analysis of the status quo of agriculturalinsurance in China. This chapter describes the agricultural insuranceand agricultural risk, reviewed the development course of Chinasagricultural insurance, analyze the status quo of agricultural insurancein china by comparing the development of agricultural insurance withthe development of insurance industry and the agricultural losses.The4th chapter analyzed the reasons for the insufficient of thesupply of agricultural insurance. In the first place, this chapter analyzed the Systematic Character of agriculture Risk, the informationasymmetries in agricultural insurance and Quasi-Public-Goods attributesof agricultural insurance, then analyzing on the game of insurancecompany, the Major Suppliers of agricultural insurance, by means ofCoordination games of game theory through combination ofenvironmentsThe5th chapter is the analysis for the reason of lack of demand inour countrys agricultural insurance. Choosing Yiyang in Hunan provinceas the fieldwork site, the factors that can influence the farmers desire tobuy the agricultural insurance are analyzed through preliminarilystudying the questionnaire. Then through using the model of logistics,each factor was analyzed empirically. The6th chapter is theresearch of the way to solve the lack of Chinas agricultural insurancedemand. Based on the analyses of Chapter4and Chapter5, thesolutions to settle the dilemma of agricultural insurances demand andsupply are put forward from the perspective of the agricultural subsidies,the agricultural insurance legislation and the agricultural insurancebusiness model etc.