Our Country Agricultural Insurance Catastrophe Risk Disperse Mechanism Research

China is an agricultural country and agriculture is a basic proposition of the national economy in our country has lasted60years, China’s economic development and social stability is mainly the stability and development of agriculture. At the same time, our country agriculture in the world is one of the countries most affected by natural disasters, agriculture disaster variety, high frequency, wide distribution area, caused the great agricultural losses. As a transfer market risk and loss apportion system of agricultural insurance, the agricultural risk dispersion and stability of agricultural production and the national food security, promote the steady development of national economy plays an important role. But the agricultural insurance itself has spread risk problem, compared to other insurable risk, the height of the agricultural risk concentration and strong regional characteristics, make the agricultural risk in flood, drought and other natural disasters and disaster losses, a high degree of correlation in time and space performance. At the same time, due to China’s current agricultural insurance pilot only limit in the local area, regional agricultural insurance company risk dispersion force is limited, when disaster happened, usually to gobble up the agriculture insurance operator’s risk reserve accumulation fund and the capital, and even seriously affect the agriculture insurance operator capital stable operation.On the basis of relevant statistical software, using the insurance system in this paper, economics, new institutional economics, agricultural science and mathematical statistics and other related theory, in order to optimize and improve China’s agricultural insurance catastrophe risk dispersion system, for so far from the Chinese agriculture insurance pilot areas of main problems of catastrophe risk dispersion system, not only should absorb foreign and scattered agricultural insurance catastrophe risk in other regions for reference, the department of the successful practices and advanced, but also put forward the agricultural insurance catastrophe risk dispersion system overall idea and train of thought, but the premise is to suitable for China’s national conditions and characteristics of agricultural production, of multi-level agricultural insurance in our country, the construction and improvement of the system of disperse catastrophe risk choice put forward the corresponding strategy.In this paper, from the level of construction of institutional arrangements and policy research in our country, the concept of agricultural insurance catastrophe risk disperse mechanism and perfect, stick to appear in the process of topic selection, development of agricultural insurance prominent contradictions and problems, from the overall grasp of the construction of our country agricultural insurance catastrophe risk disperse mechanism the overall train of thought, more diversified, multi-level and the construction of Chinese agricultural catastrophe risk disperse mechanism and perfect puts forward the specific strategies and paths.