| In China, the“Agriculture, Countryside and Farmer†issues is not only a majorpolitical issue, but also social issues and economic issues related to building a newsocialist countryside, building a socialist well-off society and building a socialistharmonious society in China. Agricultural insurance as an umbrella to protect farmersfrom natural disasters, also serves as an adaptation of WTO rules "green box" policy,which is an important part of security system of socialism with Chinese characteristics,agricultural insurance can make agricultural producer and operators to be betterprotection, so as to promote the healthy development of the rural economy. For thisreason, there are more than100countries in the world, actively carry out agriculturalinsurance through government support, and have formed the patterns which adaptwith the various countries’ national condition. Guizhou is a typical karst plateautopography, climatic conditions are very complex and natural disasters are frequently,loss of agricultural disaster is serious, agricultural insurance, as an agriculturalsupport policies consistent with WTO green box to allow a means of support, hasgained more and more countries and academic attention, and its protection ofagriculture have become increasingly apparent.2007, the central government for the first time started agricultural insurancepolicy in Guizhou for the first time, the Chinese People’s Insurance Company ofGuizhou branch as the only operator in the province, actively carry out the insurancework of sow, insure1523000head sow and achieve premium income of69.16millionyuan, which also makes the Snow Storm in early2008in the death of the insuredfarmers sow "be insured". For the next few years, agricultural insurance in GuizhouProvince achieved a measure of success, but for many reasons, its development is stillbeset with difficulties.This study first start with the necessity of agricultural insurance development in Guizhou province, reviewed the course of development of agriculturalinsurance in Guizhou province since the establishment of the nation, consider that therole of agriculture insurance in agriculture and the rural economy in Guizhou provinceis irreplaceable in the development process, and after several years of pilot, Guizhouprovince is facing good opportunities for the development of agricultural insurance.Then on the related theory as the guide, This research from three differentstakeholders farmers, insurance companies and Government perspectives to analyzedemand dilemma, supply difficulties and support dilemma which the GuizhouProvince agricultural insurance development faces now, and from the behavior ofthree different stakeholders to explore the reasons for the corresponding, in particular,In the analysis of peasant agricultural insurance plight of insufficient effectivedemand, this study through the field of investigation and research, used Logisticanalysis build a regression model to analyze the main reasons affected farmers ’demand and the major causes of insufficient effective demand of agriculturalinsurance, concluded knowing whether that country has subsidized, the number ofdisasters, primarily engaged in agricultural production and importance of agriculturalinsurance in the production life are4decisive factors in decision-making affectingfarmers ’ agricultural insurance demand. On this basis, this study analyzed the factorsaffecting agricultural insurance development in Guizhou province by establishCobb-Douglas quantitative evaluation model, find out a few of indicators significantlyimpact the development of Guizhou provincial agricultural insurance, including therate of natural disaster, the loss ratio, the agricultural added value, Farming forestry,water resources expenditures and government subsidies. Finally, Combined with theactual situation of Guizhou province, this study devised the agricultural insurancepattern which suits the Guizhou Province sentiment, and make relevantrecommendations for countermeasures, recommends that The farmers have to findways to improve the their income and to develop their insurance awareness, insurancecompanies had to further enhance their ability to offer services and to promoteagricultural insurance products of diversity, and the Government should to clarify itsresponsibilities, optimize the rural and well-built the great disaster risk-transfer system and, in this, in addition to these, we must develop agricultural insuranceprofessionals and promote agricultural insurance for legal practice, in order topromoting the healthy development of the agricultural insurance in Guizhou provinceand the sustainable development of rural economy. |
