| Agriculture as the foundation of a country is related to national grain security. It has been proved that distributed way of household production can only meet the demand for farmers themselves, but unable to adapt to the marketization of grain supply and demand.The modernization of agriculture is gradually able to adapt to market competition, but lack of land support. Land circulation provides a large-scale land to the agricultural modernization (industrialization, large-scale, intensive) development, at the same time, agricultural insurance are needed to guarantee and support the land circulation:agricultural insurance must make the corresponding innovation and transformation to adapt to the change of agricultural development. Now our country just promulgate the agricultural insurance, which will promote the land circulation, promote agricultural modernization and urbanization,at this important reform period, the research of land circulation is of great significance to the development of agricultural insurance.In this paper, the action of agricultural insurance on land circulation has been systematic use of economic analysis integrated using these methods which are qualitative analysis, quantitative analysis, normative analysis, empirical analysis, model analysis and comparative analysis, the combination of systematic analysis of the land circulation for making changes in the way of agricultural production, the influence of the change of agricultural risk and the interactive mechanism between agricultural insurance, and put forward policy Suggestions according to the result of analysis.Firstly, China’s rural land circulation is to promote the improvement of the efficiency of agricultural production, which will realise agricultural modernization development, promote the construction of urbanization, driven by a series of policies and ongoing. Based on the analysis of economics, land circulation has its intrinsic motivation mechanism, economies of scale, marginal returns law of elements, that is the inevitable choice of agricultural economic development. Overseas mature plantation production pattern and some domestic industrialization pilot production base’s success has played a very good reference to drive land circulation, which will highlight the necessity and inevitability of rural land circulation. And under the background of urbanization construction in our country, we should increase agricultural production and added value, promote labor force transfer from primary industry to the second and third industry, promote the farmers’ income, then realize the "people" of urbanization. Land circulation avoid land waste caused by the labor force transfer, which is in favor of the integration of land use, improve the efficiency of agricultural production.On March1,2013, the establishment of agricultural insurance regulations was of great significance, which promulgated for the development of agricultural insurance in China, determined the status of agricultural insurance in our country, with the method of commercial insurance company to deal with, the principle of voluntary insurance."Wide coverage, low security" is an important characteristic of agricultural insurance in our country, but also shows its important deficiencies in the land circulation situation---it can’t meet the needs of large-scale, industrialization cultivation for high coverage. High investment to agriculture will lead to the higher losses and will need more funds to restore the production. But agriculture still faced the risk of modern science and technology, more prominent market risk, etc; Compared with the traditional way of decentralized household production, the production of moderate scale needs agricultural insurance and risk management mechanism more urgently. New bodies caused by land circulation demand for agricultural insurance more, and have the higher willingness to pay, but with less of the risk of moral hazard and adverse selection problems.Conclusionly, the land circulation to the development of commercial agriculture insurance is definitely an opportunity-greater demand, but also challenges, more innovative forms of agricultural insurance organizations, products, services.Based on the analysis of land circulation and agricultural insurance, there is coupling mechanism between them, the effect between the two is not one-way, but a two-way, i.e., the land circulation promoted the agricultural insurance demand, and improved the willingness to pay (WTP) for the agricultural insurance, which provides the necessary premium income; Agricultural insurance provides a risk guarantee to the smooth progress of land circulation, help to improve the enthusiasm of the contracted land, land operators expand the scale of operation, improve the efficiency of agricultural production and output. This dual role is an intrinsic coupling mechanism, the result of the action will make an inner mechanism of "upward spiral" promote each other. As a result of the existence of such a mechanism, prompted the foreseeable commercial agricultural insurance to obtain better development, reduce the dependence on subsidies.Based on the analysis of the above, this article suggested on the basis of policy-related agricultural insurance, we will focus on the development of commercial agricultural insurance, relying on the government’s preferential policies, laws and regulations on agricultural insurance guarantee as well as the financial and administrative support, innovation in products, services and organization form; Accurately grasp the land circulation for agricultural production mode; Agricultural insurance provides a comprehensive way for the new main body of agricultural production risk guarantee, in order to improve the stability of the agricultural economy; Attracting social capital into the field of agricultural insurance, agricultural insurance will be a support, protection, policy tool to promote the development of agriculture. |
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