Problems And Countermeasures In The Development Of Policy Crop Insurance In Gaobeidian City

Since 2007,he policy oriented agricultural insurance of Gaobeidian has provided certain safeguard for the agricultural development, and has reduced the agricultural loss of the farmers.However, due to the intensification of natural disasters in recent years, and some problems in the development of agricultural insurance, agricultural production and farmers’ income is still facing a grim situation. In the city’s agricultural and agricultural income structure, the planting industry occupies a large proportion. However, there are not only the weaknesses of long growing cycle and low efficiency, but also the natural risk of the cultivation is characterized by the universality, persistence and loss. These weaknesses and natural risks of the characteristics of the city’s growing industry is facing more difficulties, so that the city’s policy of the development of insurance industry encountered more problems. Therefore,by the planting of the city industry policy agricultural insurance development situation and problems of research, put forward in line with the Countermeasures of the city policy of crop insurance actual situation,puts forward decision-making reference for the relevant departments of the city,on the crop insurance policy in the city development, promote planting to agricultural development, has a positive meaning.Based on the investigation and visit in Gaobeidian has made a large number of questionnaire data as the basis, the use of research methods of normative analysis and empirical analysis, the policy of Gaobeidian city planting insurance problems and make a systematic study. The paper mainly includes the following four aspects: firstly, combs and summarizes the research of dynamic external insurance policy agriculture in China, and the definition of relevant concepts and theoretical basis, provides a theoretical basis for the research. Secondly,it analyzes the development and policy of policy agriculture insurance in Gaobeidian planting industry insurance status. That policy agriculture insurance in Gaobeidian experienced pilot, preliminary development and standardization of the three stages of development; the city’s agricultural insurance policy, achieved some effect, but there are still some problems,and the influence factors are discussed. Again, pointing out that the current policy of the growing problem and reason existing insurance.Think these problems are lack of publicity,lack of awareness of farmers; farmers purchase demand;government supervision is not in place, there are loopholes in the system construction. And then,aiming at these problems, put forward the optimization policy of agricultural insurance in Gaobeidian City, suggestions. Including increasing publicity, multi-channel and multi angle propaganda; two to promote financial support, increase subsidies; perfecting laws and regulations, improve the management system; explore the innovation of claim free mechanism, simplify the claims procedures; implementation of sunshine operation; business model innovation, enhance the level of staff; improve the risk level of protection,accelerate the establishment of insurance price mechanism; the establishment of reinsurance system, perfecting risk dispersion system; accelerate the reform of management system, perfecting the agricultural insurance organization system.These suggestions are helpful to establish policy for Gaobeidian city planting industry insurance system.The innovation of this paper is that, for the first time in Gaobeidian city as the research object, on the development of the crop insurance policy process has combed, divided into three stages. At the same time, the current development of crop insurance the existing problems and their causes, the range of in-depth study, and puts forward some countermeasures for the city’s policy of crop insurance development.