The Study On Sustainable Development Of Policy-Oriented Agriculture Insurance In Guangxi Province

Guangxi is located in the southwest of China,and the geographical environment is very complex.Since across north tropical, south Asian tropical and middle subtropical zone, Guangxi has complicated and changeable climate type. Its natural ecological environment is superior, and the species resources is rich. At the same time, due to monsoons arrhythmia effect, the disastrous weather is very frequent,causing great losses to the local agricultural production. Agricultural insurance as a kind of risk transfer and response mechanism, fully plays an important role in spreading agricultural risks, compensating the economic loss, improving the ability of agricultural production, and increasing farmers’income, etc.Therefore, to explore sustainable development of policy-oriented agriculture insurance in Guangxi, not only has important theoretical significance, also has great realistic significance.It provide certain reference to establishing and perfecting agricultural insurance system in other areas, and promote rural economic development. It is beneficial to build a new socialist countryside, eventually realize the sustainable development of the whole society.This paper first presents the Guangxi agricultural development status, including the natural environment, agricultural production conditions, as well as the agricultural natural risk, and put forward the necessity and feasibility of policy-oriented agricultural insurance development in Guangxi. Then briefly describes the development of guangxi agricultural insurance, including pure commercial operation stage and policy management stage, and analysis the current main pilots of policy-oriented agricultural insurance in Guangxi one by one, including rice, sugarcane, sows, forest, and rural housing insurance. Based on these, we conclude the achievements and shortcomings.Then,we discuss detailedly and analyze the factors restricting the sustainable development of policy-oriented agricultural insurance in Guangxi, including farmer aspect, insurer aspect, government aspect.Finallyaccording to the above analysis,we put forward the relevant countermeasures for the sustainable development of Guangxi policy-related agricultural insurance. For farmers, we can increase their income,and improve their insurance awareness; for insurance company,we can improve the service system, develop new products, cultivate professional talents and develop intermediary agencies; for government, we can improve relevant laws and regulations, improve the regulatory system, introduce competition mechanism and increase the finance support. These aim at providing certent reference for accelerating the construction of Guangxi rural agricultural insurance, and promoting the development of of Guangxi rural social economy comprehensively and coordinately...