Policy Agricultural Insurance To Support Research On Farmers’ Production In Shan Xi

The proportion of the agricultural population accounts of up to65%(end of2012),asan agricultural country since ancient times,attention to agriculture,agriculture has alwaysbeen an important part of China’s national economy and social base,the sustained andhealthy development of agriculture is directly related to the national economylifeblood.Meanwhile,China is a country due west,south span,complex terrain,largedifferences in temperature conditions and natural disasters,natural disasters can cause veryserious damage to the development of agricultural production annually,affecting healthyand stable development of the agricultural economy to improve the lives offarmers.Agricultural insurance as an effective means of decentralized agriculturalrisks,resolve disaster losses,not only in line with the provisions of the WTO Agreement onAgriculture"green box"policy,but also in line with our support and stabilize agriculturalproduction policy,but also help restore agricultural reproduction,stability andfarmers’income promote rural economic development.China and most of the worldcountries,but also active in the agricultural insurance business to deal with the risks of lossof agricultural and stable agriculture as the foundation to promote and expedite the processof agricultural modernization."National Economic and Social Development TwelfthFive-Year Development Plan"and in2014the central document are clear requirements:Toactively develop agricultural insurance policy to continuously improve the agriculturalinsurance system.Shan xi Province is one of China’s farming culture and the birthplace of the ancientagricultural area middle reaches of the Yellow River,is an important production base ofsmall grains,with"grains Kingdom"title.The frequency of natural disasters in Shan xidistributed agricultural production has brought a big impact,especially drought,floods,hailimpact is more serious.Therefore,the need to support the healthy development ofagriculture policy agricultural insurance.Although the conduct of Shan xi AgriculturalInsurance earlier made certain achievements,but the policy agricultural insurance in Shanxi Province is still slow development,development of imperfect,inadequate laws andregulations,less agricultural insurance company,insurance coverage shortages,underwritingand underwriting scale small-scale,serious moral hazard and other reasons,not onlydifficult to effectively compensate for the loss of agricultural disaster to meet the needs offarmers,production support for farmers will not achieve a good role in promoting betteragricultural insurance compared with other provinces to carry out a largergap.Therefore,the combination of Shan xi actual development of agriculture and the economy,with reference to the experience of outstanding provinces,Shan xi Province toexplore out a suitable policy to support farmers to produce agricultural insurance roads,hasvery important theoretical value and practical significance.Based on economics,the basic principles of Western science in finance andinsurance,learn the theory and practice of agricultural insurance development,empiricalanalysis and normative analysis using a combination of methods,systems analysis of Shanxi agricultural insurance policy support for farmers Status and support effect,to identifypolicy agricultural insurance for farmers to support the causes of insufficient and proposepolicies to promote agricultural insurance development in Shan xi suggestions.Made the following arrangements for the research content is organized sequence:The first chapter is the introduction,the main significance of this paper describes thebackground,domestic and foreign research review,research methods and thinking routesand proposed insufficient research and innovation.Through literature researches found thatlack of agricultural insurance market is more focused on the reasons for the lack ofeffective demand for exploration,but from the perspective of supply less;Meanwhile,theinsurance as part of financial products,from the financial point of view but also has a greattheoretical and practical significance.The second chapter describes the theory used herein.This chapter begins forinsurance,agricultural insurance and agricultural insurance policies related to definedconcepts and features.Agricultural protection and systematically expounded the theory ofsupply and agricultural insurance leading theory of supply and demand theory.The third chapter of this paper Shan xi Agricultural Insurance realityforeshadowing,outlining the status of the development of agricultural insurance in Shan xiagricultural insurance status and policy support for farmers produce,Chapter IV use of empirical analysis,through the Shan xi StatisticalYearbook,Insurance Yearbook,industry data and other statistical analysis of thedata,combined with Shan xi agricultural insurance policy to carry out the situation from theperspective of economic compensation,production angle and the angle of the three aspectsof income study the effects of policy support for agricultural insurance on farmersproduction,and to assess effects of these three aspects,drawn Shan xi agricultural insurancepolicy to support farmers produced mainly in the financial compensation,stable productionand income support in three areas.The fifth chapter supports the status quo based on the relevant theoretical andpolicy-oriented agricultural insurance Shan xi Province,Shan xi Province,analyzes the causes of agricultural insurance policy on support farmers’ production.From Shan xiagricultural insurance market environment,local government support,respectively,theintensity and the insurer(ie,insurance companies)own supply three angles in-depthanalysis.Chapter VI is based on the fifth chapter,for policy agricultural insurance for farmersproducing insufficient support the reasons put forward suggestions.The main agriculturalinsurance market has improved the business environment,including reduced insurancecompanies operating costs,improve ethical standards and income levels of farmersunder;government support to upgrade,improve laws and regulations,including theconstruction,improvement subsidies,increasing the supply and the establishment ofcatastrophe insurance companies the insurer’s own supply of enhancements,includingproduct innovation,positive publicity,personnel training and technological upgrading;riskspreading mechanism.Finally,I hope through this study to support farmers to produce agricultural insurancepolicy Shan xi play a catalytic role,and thus promote the healthy,stable and sustainabledevelopment of agriculture and farmers’ income increased steadily in Shan xi Province.