Investigation Report On The Implementation Status Of Policy-Based Agricultural Insurance

Policy-Based Agricultural Insurance refers to the project of agricultural insurance that supported by government policies, such as financial subsidies and tax incentives, which is an important pillar of the development of modern agriculture and is accepted as "green box" policy by WTO. At present, the Policy-Based Agricultural Insurance is becoming the policy tool of support the development of agriculture, is important to against agriculture risks and make up the losses of agriculture disaster. Since2004, China has explored the pilot in the development of the policy-based agricultural insurance and developed so fast, expanded the scope of protection and the compensation of agricultural disaster has become increasingly prominent. In recognition the achievement of policy-based agricultural insurance, at the same time, we can’t ignore the possible problems, this report based on the perspective of farmers, studying the farmers’perception of risk and policy-based agricultural insurance in Sichuan, Jiangsu, Anhui, Hubei and Henan province.The investigation report hope to answer such a question:how to promote policy-based agricultural insurance developed effectively? During the process of research, based on the feedback of many farmers, from famers risk condition and the acceptance of policy-based agricultural insurance and their evaluation on the policy, I have studied the factors that may affect the famers’ participation the policy-based agricultural insurance and put forward the suggestions that may promote agricultural insurance development.The main content of the research is as follows.Chapter Ⅰ is the introduction. Main discussed the background of the research, research ideas and methods, the main innovations and shortcomings of the paper, summarize the domestic and foreign research literature, and carried out the factors that affect farmers’ participate of policy-based agricultural insurance. All of this laid the theoretical foundation for the study.Chapter Ⅱ is briefly introduced the connotation and the development of the policy-based agricultural insurance. We can clarify the necessity of the policy and have a deeper understanding about it by the description of this part.Chapter Ⅲ is the survey sample of policy-based agricultural insurance. Starting from the basic information of the sample area, firstly, described the principle that choose the sample and the methods of investigation, secondly, listed the situation of the premium subsidies and the types of insurance that benefit from it, and introduced the basic structure of the farmers at last.Chapter Ⅳ is a quantitative analysis of the survey data. In the way of combination of three aspects:farmers risk awareness, common means of dealing with the disaster weather and the status of farmer participate in policy-based agricultural insurance, study closely about the risk status of farmers; study the farmers’cognition on agriculture by the channels of they understand the policy of premium subsidies, the proportion of subsidy they know and the insurance that they know; learn famers evaluation on policy-based agricultural insurance by their satisfaction about the policy, their evaluation on the insurance agencies and their evaluation of the process of implement of insurance; this part also discussed other problems which associated with policy-based agricultural insurance.Chapter Ⅴ is conclusions and suggestions. According to the results of the study, summarized from the risk status of famers’, the participation of famers’and their evaluation on policy-based agricultural insurance etc... And put forward the suggestions about how to promote the policy-based agricultural insurance developed efficiently:(1) strengthen publicity;(2) insurance agencies should improve the service quality, enhance product innovation;(3) the government should keep the support of policy-based agricultural insurance;(4) construct new agricultural management subject, realize scale management of agriculture.The main contribution of this thesis is as follows:Firstly, for research method, the article is not limited to the study of the theory, through the investigation on different areas, master first-hand data, and makes a comparative analysis on this basis, is contribute to understand the operation effect of the policy-based agricultural insurance in different areas.Secondly, the content of the research, compared with the same type of article, the content of this questionnaire is more abundant, when analysis the results of the questionnaire combined with the reaction conditions of farmers, in order to reflect the investigation from the subjective and objective aspects.Thirdly, the research perspective, construct the research framework from the perspective of sociology and insurance; analysis of samples from multiple dimensions in order to understand the real problem and understand the famers’ cognition and evaluation of the policy-based agricultural insurance; through the analysis of the relation of various factors, to understand the main factors that affect the rates of participation by farmers and the need to improve in the process of implementing policy-based agricultural insurance.