The Research Of Policy-oriented Agricultural Insurance System Based On The Financial Support

China’s " Agricultural Insurance Regulations " has been adopted at the executive meeting of the State Council in2012, and has been came into force in March2013In our country,agricultural insurance system has80years of development histories, due to lacking of supplying at the policy level,the Chinese agricultural insurance system has been unable to get rid of" insufficient demand and limited supply "failure of the state for a long time. In summary, based on the lessons of history, we start to try oriented agricultural insurance pilot to explore the development way of China’s agricultural insurance in several province from2004.This paper researches the lateral development of Chinese policy in the pilot stage of the agricultural insurance system and does a comparative study,finding that it is very important that insurance premiums and government financial support to farmers and agricultural insurance agency. On this basis, this paper does a further stage of the development process and development status of our pilot agricultural insurance policy. We find several legal forms that how the government support agricultural insurance by the country’s financial system. And summarizes the impact of financial support on the insurance status and prospects of development of pilot mode, the mode of UNITA mode Mode did not get financial support from the government, the development prospects of business development is slow, the other five modes in other areas based on the government financial support has a good development prospects.Sum the problems of financial supporting agricultural insurance, we can find that the premium subsidies to farmers is fiscal support method in agricultural insurance for the current all over the country. There are only a few regions establish a reserve system of agricultural insurance and agricultural catastrophe risk prevention mechanism. Compared with developed countries who developed a perfect agricultural insurance system, there are many problems and shortcomings in the development process of China’s financial support to agricultural insurance:no allowance of the insurance sector management, the legal forms of the financial support is single to the agricultural insurance, there is no joint effect; the effect of financial support is small, most areas stays low-level:remain in the "insurable earnings stage" instead of "security value stage" level, and the level of the financial has a large difference duo to economic development between different regions is different; the development of our policy agricultural insurance is lack of legal norms of legislative level, supporting the development of agricultural insurance is lack of valid legal basis, and this affect the validity of financial support and so on.By studying how the developed countries support the development of agricultural insurance, we can sum up five perfect legal forms of financial support to the development of agricultural insurance of our country. There are many issues in the process of the financial supporting to the development of agricultural insurance,on the basis of existing experiences, we should continue to insist the fiscal policies to support agricultural insurance development path, make the legal forms diversification of financial support for the development of agricultural insurance, so that all kinds of forms will together to support the establishment of agricultural insurance, and can improve a perfect catastrophe risk reserve system and defense mechanisms and the reinsurance system, jointly promote the development of agricultural insurance. With the development of the economy and financial capacity of the government continuously,we should improve the level of financial support, narrow the differences between different regions,and better protect the interests of farmers in poor areas; We should provide a legal basis for legislation on financial support for the development of agricultural insurance, and constantly improve financial support for the process monitoring system to improve transparency, so that government finances can serve for the development of agriculture more efficiently.