Research On The Regional Differences Of China’s Agricultural Insurance And Their Influencing Factors

Agricultural insurance is an important risk management method to transfer agricultural risk, to ensure the safety of food production and service to rural economic development. Since been carried out, Agricultural insurance play as an important part in solving the problem of "agriculture, rural areas and farmers", is shouldering the task of scattering agricultural risks, promoting agricultural production,and the historical mission to revitalize the rural economy. Since 2004, the agricultural insurance has being an Important documents and have the continuous attention,under the strong support of national finance, agriculture insurance showing a continuous high growth momentum,premium income rising from 377 million yuan in 2004 to 308.78 billion in 2014. In the rapid development of agricultural insurance, however, at the same time, also highlights a range of issues, such as regional agricultural insurance development level is quite a big gap.The current China’s agricultural insurance development shows the characteristics of regional imbalance, restricting the development of rural economy, to a certain extent, it has affected the effect of the policy to solve the problem of "agriculture, rural areas and farmers". This research is based on the regional difference changes of Agricultural insurance in China, and the macro statistics have been used. the method has been chosen is combining qualitative analysis with quantitative analysis to research the factors that cause regional difference of agricultural insurance,and puts forward policy advise to solve agricultural insurance development problem and proposals to promote the development of rural economy.Specifically, this research main study content is as follows :(1)the regional difference changes of Agricultural insurance in China. The differences of Agricultural insurance reflect the regional unbalanced in our country.(2)The factors what have caused the regional difference of agricultural insurance. In this paper, we use the Shapley value decomposition method based on dynamic game to estimate the contribution of each factor respective。The Gini coefficient and the data envelopment analysis(DEA) method have been used in this paper to quantitative differences in agricultural insurance development scale and operational efficiency. Then the regional differences decided function to be calculated, and Shapley value decomposition method based on dynamic game theory is toused to sort the influence factors by their respective contribution to the regional difference of agricultural insurance. The studies have shown that China’s agricultural insurance development scale and the management efficiency of regional differences, all kinds of influence factors according to the contribution size sorting, respectively for the economic development and social environment factors, insurance market factors and natural factors of region. According to the research conclusion, this paper puts forward three Suggestions:first, focusing on improving the efficiency of the agricultural insurance; second, taking advantage of regional rural economic development, drive the sustainable development of agricultural insurance; Third, attaching great importance to the regional social environment lead to the development of agricultural insurance and insurance market development.