Research On Agricultural Insurance Pricing Law Regime Of China

Agricultural insurance price problem is one of the leading causes of hindered the development of agricultural insurance, the demand side can’t afford high rate of agricultural insurance, suppliers can’t supply low rates, and the quasi-public goods attribute of agricultural insurance provides the necessity for government intervention in agricultural insurance market. According to market mechanism, on the one hand, government subsidies for agricultural insurance prices determinates prices,deciding the government funding support for agricultural insurance, on the other hand, it also determines the market main body of economic profit. To both government and market, the price of agricultural insurance becomes the core question of interest realization. According to the requirements of the rights and obligations consistent principle, it is impossible exclude the government if getting the government subsidy of agricultural insurance pricing power;moreover the government as managers of public utilities, its transfer money which come from citizens property must use for promoting public welfare, providing public services as the premise, it also provides a theoretical support for the government to become an important member in the agricultural insurance pricing power. Finally, the complexity of the agricultural insurance prices, especially risk zoning work involved in broad area, data, can only be completed by government which has strong ability of organization of information. And the marketing operation of agricultural insurance, agricultural insurer autonomous business right as well as the main compensation responsibility assumes the pricing power naturally also has the property of market power. In order to guarantee the scientific and efficiency of the agricultural insurance pricing, giving the market leading pricing power, giving the government discourse power in the pricing power of ownership mode becomes the inevitable choice. It is necessary to follow the principle of the rate corresponding to the risk and the principle of affordable if fairing to develop agricultural insurance price. To determine the price reasonable according to the principle of the two rates, risk zoning work is necessary."The agricultural insurance regulations" as the transition of "the agricultural insurance law ", the lack of regulation of government public power influents the specific legal system of agricultural insurance pricing. Based on the pricing power of legislative authorization, the price hearing system and procedural norms such as the release of the effective price confine abuse of public power in agricultural insurance prices. In addition to procedural specification limits, a set of independent regulatory mechanism is also necessary. The problems discovered by bear the legal responsibility of supervision regulation is the guarantee of fair pricing power to exercise the last barrier.