Research On The Development Of Agricultural Insurance In Heilongjiang Province

Agricultural insurance for agricultural production and rural economic development has important significance. The agricultural production cycle is long, vulnerable to the impact of natural disasters and agricultural insurance can be effective management of natural disasters and other factors to the risk of agricultural production. In the process of the development of agricultural insurance need government to actively guide and market effective regulation. The means to deal with the risk of agricultural production is mainly agricultural insurance, gradually become the guarantee of an important part of the agricultural production system and in accordance with the relevant provisions of the international trade organization. Agriculture is the main pillar of Heilongjiang Province. Heilongjiang Province in developing agricultural production at the same time to avoid disasters and other factors to bring the risk. Achieve increase production and income.The steady growth of grain production, the promotion of structural reforms in the agricultural supply side is very significant.Heilongjiang Province though is agricultural big province, but the degree of development of agricultural insurance relative to other provinces is relatively backward. The reason is complex and diverse. System analysis of the problems existing in the Heilongjiang province agriculture insurance development process, and puts forward feasible recommendation for the development of the agricultural insurance in Heilongjiang Province. To perfect the system of the agricultural insurance in Heilongjiang Province, to improve the level of development of agricultural insurance,agricultural production and farmers income contribution strength.First, this paper introduces the concept and the research process of the agricultural insurance in the use of the theoretical basis. Secondly, the analysis of the development status of agricultural insurance in Heilongjiang Province, respectively from two aspects of the supply and demand of Heilongjiang Province, the existing agricultural insurance were analyzed. And based on the status of agricultural insurance present stage of Heilongjiang province agriculture insurance development process in the face of problems, including product supply and service level is low, mutual insurance demand is insufficient, supervision mechanism is not perfect, agricultural catastrophe risk dispersion mechanism is not perfect, the functional departments of the insurance relationship between complexity and lack of local financial subsidies and policy insurance and commercial insurance is not uniform, highlighting the lack of technology and human resources management is not Foot nine aspects. Again, the analysis of the the United States, Japan and domestic several typical development patterns of agriculture insurance, summarizes three enlightenments:strengthen the system security, gained support from the government, implementation of thecomposite type insurance. Finally, around the relationship between supply and demand of insurance, guarantee mechanism, social service system, talent team construction proposed countermeasures.