The Government Function In Agricultural Insurance

About the definition of insurance industry understanding. in most cases, people used to the insurance is equivalent to the commercial insurance, few people pay attention to agricultural insurance. Agricultural insurance as the name suggests is a set of agricultural insurance project, is a guarantee of development of agriculture in the process of.However, although China has more than thirty years, the gross national product, the repeated success, national happiness index float up all the way, the comprehensive national strength and a higher level and so on, however, the agricultural population in China is still not high, the problems of agriculture, rural areas and farmers (referred to as the "three rural issues") has been listed as key focus on the work of the government. According to conservative survey statistics show, the agricultural population in China accounted for more than40%of the total population, the statue of the "big industry"; on the other hand, three rural issues change in the strong support at all levels of government and relevant enterprises, the quality of life of farmers increase slightly, however, also greatly enhance the quality of life of farmers and the ideal the expected value of the gap between the. We believe that, if not to increase the pace of narrowing the gap, to solve the problems will become empty words, and the prospect of agricultural problem the problem can not be optimistic about the more worrying.At present, migrant workers migrant workers became a kind of fashion and trend, some experts expressed concern that, if things go on like this, will likely occur large tracts of wasteland situation. This is a valid concern, however, its endless sigh or worry in theory, this piece of land let us deep thinking why many farmers to leave their ancestors left, choose to travel far to find living space. As everyone knows, as the German philosopher Hagel the famous saying "there is a reasonable" said, migrant workers have left sickle hoe migrant boom has its rational side, as many farmers, farmers "work" is the development of agriculture, agricultural risk is too big, if God does not give face, a year pay in exchange for have gained nothing is often things, the probability of the occurrence of a large, even eat a problem day. who would always choose this kind of life, therefore, the farmer is a kind of helpless choice in a certain extent.Thus, because of the development of agriculture, farming has no sense of security, farming groups increasingly thin, gradually compressed. Because of its own particularity agriculture unlike other industry controllability is larger, the agricultural industry is more special, is built on the growth of animals and plants a special industrial process, restricted by natural conditions and the influence is very great. Because of our geographical location and climate, natural disaster is serious, agricultural economic losses every year in our country caused by all kinds of natural disasters billions of above. In recent years, because of the reason as everyone knows, the deterioration of the natural environment is more serious, earthquake, flood, debris flow, drought and other natural disasters often patronize in some provinces and cities of China, the development of these natural disasters seriously deter and impede China’s agriculture. In this case, we think the risk of development of agricultural insurance can effectively disperse the agriculture, and reasonable to reduce the losses in agriculture, increase farmers on agricultural security and a sense of identity, and promote the development of agriculture, and gradually solve the three rural problems.The agricultural insurance is domestic and international insurance industry known as the insurance industry "high tension line zone", can not set foot in is not involved in. In the development of China’s agricultural insurance on the road is very difficult and tortuous, and mainly consists of3stages, one is the agricultural insurance pilot and stagnation stage, this stage occurs mainly in the reform and openness; two is the self development of agricultural insurance, this stage occurs mainly after the policy of reform and Opening-up in eighty countries; three is a period of vigorous development of agricultural insurance in each pilot, this stage occurs mainly in recent years the national policies to support agricultural insurance is a stage of potential. In After2007years ago. the policy agricultural insurance pilot began a succession of six provinces and autonomous regions in our country, in these pilot project led by the Government to encourage some commercial organizations while working together to develop agricultural insurance. At present, China’s agricultural insurance has started to recover from the decadent state of momentum, active degree after American.At the same time, along with our country agricultural insurance gradually increase the size, we also pay attention to the agricultural insurance exposes many problems in the operation and practice, we think that this part of the big reason is that the government in which the function is effective for.This paper focuses on the functions of the government from agricultural insurance in Liaoning Province as the breakthrough point, the agricultural insurance as an example, the related theory, to the agricultural insurance to find historical situation, the current government in agricultural insurance function existence question and the reason analysis and optimization of linear. At present, the academic research on government function in agricultural insurance is relatively weak, therefore, this study is expected to be added and some theoretical contribution in this respect.