Research Of Freshwater Aquaculture Insurance Development

Because of the improvement of our living standards, aquatic product in people ’s table occupies an increasingly important position. Demand drive supply, a large number of aquatic product increasing in demand will inevitably bring the rapid development of aquaculture, while China’s aquaculture industry is taking off even at the speed that other countries can not match. Our aquaculture industry gradually developed into a leading enterprise as the leader and taking the lead, breeding, harvesting, processing and recreational fishing as one of systematic breeding system from the "basket". Our country’s aquaculture production has occupied about two-thirds of the world, becoming the world’s largest aquaculture country, and make a great contribution for the world’s supply of aquatic products.Aquaculture industry in our country’s population was becoming more and more important in life, but the security system did not keep up with the pace of development of aquaculture.Comparing with the United States, Japan, Korea and other countries equipped with the perfect security system, China’s security system is very backward, and even some areas have not been the slightest protection. In aquaculture, the protection of our most common way is insurance. With the growing of people’s insurance consciousness, as a powerful means of support, the insurance become more and more popular. Aquaculture is a high investment, high return, high-risk industry, so that an urgent need for effective insurance system for escorting the development of aquaculture is necessary. Theoretically speaking, aquaculture insurance is an emerging branch of agricultural insurance. It has the general common characteristics of agricultural insurance while there are its own characteristics.we should treate differently. At present, domestic and foreign agricultural insurance is in the pilot stage. When studying aquaculture insurance, we can reference agricultural insurance and we can learn from the successful experiences and draw lessons from failure.Aquaculture insurance can be divided into marine aquaculture insurance and freshwater aquaculture insurance in theory. The risks faced by the aquaculture industry are complex, making the implementation of aquaculture insurance facing great difficulties, so the two types of insurance is still in the stage of theoretical research. The author select hometown as the research object and choose freshwater aquaculture insurance for exploring goal. The author puts forward a series of policy recommendations through investigation, analysis, researching.This article chooses agricultural insurance as a research foundation, and draw lessons from the experiences and failure of the domestic and foreign agricultural insurance. By analyzing the own characteristics of freshwater aquaculture and using of universality and particularity theory, the author points her view. Starting from the domestic and foreign agricultural insurance, the article summed up the pilot experience and conducted a questionnaire survey about freshwater aquaculture in her hometown. Based on his hometown’s economic development status, the author offers some suggestions with native characteristics about freshwater aquaculture. The author’s hometown is the provincial capital of Hebei Province, it is the center of the province’s political, economic, technological, financial,cultural and information, and one of the implementation of policies and financial opening coastal open cities which the State Council approved. Located in Beijing, Tianjin and the Bohai Economic Zone, Shijiazhuang is a huge potential for development of inland cities with rich water resources and generous conditions for the development. Aquaculture is one of the traditional industries in Shijiazhuang, but it has not yet formed a systematic breeding system, and its high-risk sexual and imperfect security system hindered the rapid development of aquaculture. After investigation and analysis, Shijiazhuang’s freshwater aquaculture should be positioned in that the policy insurance is based and commercial insurance acts as supplement. In this system, the government acts as the leading role and leading enterprises play a leading role when individual farmers follow their footsteps. So it can form the multi-level, multi-faceted, multi-system aquaculture framework. The author proposes innovative the special type of "pyramid" about freshwater aquaculture insurance system. The author suggests that Shijiazhuang freshwater aquaculture should be combined with other financial products such as securities,futures, etc, and make full use of Beijing, Tianjin and the Bohai Economic Zone’s development advantages, so that it can provide a more adequate funding for the insurance compensation.