Research On The Desire Of Supply And Demand Of Agricultural Insurance

In the 12 th five-year plan and the 18 th party congress documents, to improve people livelihood is an important task of our party at present stage, and also it’s one of the important content of constructing a modern and powerful socialist country. Our country is a large agricultural country, agriculture in the basic position, but in recent years, frequent disasters on the construction of agricultural livelihood projects adversely affected. The agricultural insurance as an effective tool for the transfer of agricultural production risks for agricultural production and farmers’ livelihood escort, caused widespread concern in the state and society. Given the agricultural insurance because if taken full commercial model is easy to fall into the supply and demand are less distress situation, the central government since 2007 began to carry out agricultural insurance premium subsidies pilot for the rapid development of China’s agricultural insurance provides ongoing impetus premiums growing rapidly. However, the rapid growth of premiums, while China’s agricultural insurance, but there are obvious "highly subsidized low coverage" problem: Insurance premiums proportion of agricultural subsidies provided by governments at all levels much higher than the world average, but China’s agricultural insurance, insurance rates and coverage the rate is still low, especially when there is still a huge gap between the United States and the regional differences are significant. Sino-US differences caused by agricultural insurance coverage, why? Why central subsidies under basically the same conditions, the agricultural insurance coverage disparities between regions in different provinces of the country so great? To study and solve these problems, we must factor affecting agricultural insurance coverage of a comprehensive, integrated qualitative and quantitative analysis.Based on the perspective of each subject(farmers, insurance companies, local governments) supply and demand will, starting from the macro level, the provincial area, a comprehensive study of the relationship between the influence of the main driving force of a variety of factors and between agricultural insurance coverage, and make policy recommendations on this basis. At the same time relative to the existing literature, this paper creatively business scope of insurance companies, local governments to promote the wishes into account, and the corresponding empirical analysis. In the introduction to the paper first briefly introduces the research background, significance, the main research content, research methods, as well as innovative and deficiencies of this article, further related research status at home and abroad are briefly reviewed, on the basis of the existing literature is reviewed and propose research perspective of this article, the content and methods of the proposed research. Next to define the relevant concepts and theories, theories on the subject of agricultural insurance and willingness to carry out a brief overview of each of the main supply and demand for agricultural insurance will and theoretical analysis of influencing factors. Then, we compared and analyzed the differences between China and the United States financial support for agricultural insurance policies and in-depth analysis of the different effects on each of its main power(will) of. Then again, the fifth chapter analyzes the content according to the theory, empirical analysis model was constructed agricultural insurance rate factors, the supply of agricultural insurance willingness comprehensive empirical analysis. Finally, the simulation results based on empirical and agricultural development in different regions of the actual proposed to improve the agricultural insurance related system design details, increase agricultural insurance coverage policy recommendations..The results show that: first, the agricultural insurance coverage and significant relationship between the structure of farmers’ income, the lower the proportion of high-income farmers to non-agricultural areas, agricultural insurance coverage. Therefore, agricultural insurance premium subsidies structural factors should be taken into account income. Second, the low level of local revenue is not conducive to improving agricultural insurance coverage, so the state should reduce the level of subsidies to reduce the financial burden on the county and provincial level, increase the proportion of the central government subsidies. Third, agricultural insurance coverage with the previous year loss ratio is inversely proportional to the agricultural insurance, therefore, the government should provide operational management costs insurance companies and reinsurance support subsidies, lowering the loss ratio improved operating profit insurance companies, insurance agencies to enhance agricultural insurance business enthusiasm. Finally, professional agricultural insurance companies to enhance the local agricultural insurance market coverage impetus obvious, so should be led by the government to establish a professional agricultural insurance companies in major agricultural province, or by already established and have some success in the professional agricultural insurance companies the establishment of branches in these regions, expanding the range of specialized agricultural experiment insurance companies.