The Application Of Mutual Insurance In Agricultural Of Our Country

With a population of1.3billion in China, the problem of food and clothing is a toppriority, and the solution of the food and clothing depends on agricultural support, if acountry can not solve the problem of their own food, and depend on others, soself-reliance is impossible. Since the21st century, especially the new countrysideconstruction and "harmonious society" is put forward that agricultural problems becomemore prominent, the expansion of urban-rural income gap, the frequent natural disastersexacerbated the agriculture problem, one solution is to increase agricultural output, to letfarmers less affected by disasters. That has implications for agricultural insurance,agricultural insurance development, not only help farmers avoid uncertainty of the riskfaced by agricultural production, management, protection and support for agriculturalproduction, and for effective service "three rural", meet the demand of the guarantee ofthe broad masses of farmers and the general agricultural leading enterprises financingneeds, has the very vital significance.In2004the French GROUDPAMA agricultural mutual insurance company join inChina, make a lot of Chinese people awareness mutual insurance mechanism haveadvantage in agricultural insurance. Many scholars study has been carried out in thisregard. China’s own agricultural mutual insurance company after years of explorationwas established in2005under the government encouragement, marks the agriculturalinsurance in China’s insurance market became an important part of. since thesunlightcompany establishment the agricultural insurance has achieved rapiddevelopment.But we should discover the bottleneck in the agricultural insurance in our country,the commercialization of agricultural insurance management and agricultural risktendency of centralization and catastrophe. Don’t want to make a lot of commercialinsurance company involved in agricultural risk, some company to join the agriculturalinsurance is the brief, in a small operating profit risky areas to carry out the agriculturalrisks, and to the agricultural insurance demand is very strong and agricultural riskdeterred big area. This is associated with the recently environment, the government financial support for agricultural insurance is not enough, basic risk borne by thecompany itself; Agricultural insurance law and the insufficient risk disperse mechanismaspects of construction. The government should speed up solve the agricultural insuranceproblem, form their own agricultural risk disperse mechanism, perfect the agriculturalinsurance law, promote the development of it.