Research Of Policy-oriented Agricultural Insurance Influence Factors And Countermeasures In Heilongjiang Province

Agricultural insurance is one of the three main means of developing modern agriculture, paralleled with rural finance and agricultural science and technology. Due to the attributes of agricultural industry, it is helpful to reduce loss in agriculture risk by developing agricultural insurance, improve the ability for agriculture to resist disasters and accidents, avoid agriculture risks, let farmers’ income increment realized, promoting the development of modern agriculture. Heilongjiang province is a major agricultural province and is also an area that has many natural disasters. Development of Heilongjiang agricultural insurance policy began in the 1990 s, it is one of the first batch that experiment policy-oriented agricultural insurance, the rate of agricultural insurance coverage is around 47%, the policy-oriented agricultural insurance has played a positive role in risk aversion and loss reduce, but there’s still have problems like insurance products too single and etc. Therefore, strengthen the study of the policy-oriented agricultural insurance and explore the factors that influencing it has very important theoretical and practical significance.This paper has used policy-oriented agricultural insurance of Heilongjiang Province as the research object, describes the related concepts of agricultural risks, agricultural insurance and agricultural insurance policy as well as the theoretical basis of this study. Qualitative analysis of the factors affecting the policy-oriented agricultural insurance of Heilongjiang Province first, and then using the regression analysis method as quantitative analysis. Put forward some suggestions to improve the policy-oriented agricultural insurance. Hopefully to provide some reference for study and decision-making of the relevant departments.This research has draw conclusions as following:(1) As the first batch of policy-oriented agricultural insurance pilot area, Heilongjiang Province, the policy oriented agricultural insurance business mainly by the Sunlight agricultural mutual insurance company and China people’s insurance company Heilongjiang branch operations in the reclamation area, has fifteen years of experience in the practice of agriculture risk and ten years of the company. Policy-oriented agricultural insurance business of Heilongjiang province including two categories, crop insurance and aquaculture insurance.(2) To carry out the implementation process of the policy-oriented agricultural insurance of Heilongjiang province. The main problems of agricultural insurance in less product variety, related laws and regulations are not sound, lack of professional agricultural insurance, subsidy policy is not perfect, publicity is not in place.(3) Through the qualitative analysis, management main body is increased, the occurrence of natural disasters, financial subsidies and agricultural insurance legislation of policy-oriented agricultural insurance of Heilongjiang province has exerted great influence on the premium.(4) Through the quantitative analysis, among the various kinds of influencing factors, total output value of agriculture, agricultural insurance indemnity and subsidy policy of policy agricultural insurance premium income was very significant.(5) Measures to further improve the countermeasures of policy-oriented agricultural insurance including, encourage product innovation, carry out the premium division; improve the policy agricultural insurance legislation to speed up the agricultural insurance; professional training; improve the subsidy policy of agricultural insurance; agricultural insurance propaganda.