Restrict Factors Analysis And Measures Of Developing The Agricultural Insurance In PL Insurance Company

Recovery since the start-up of the agricultural insurance by the PL insurance company since1983, experienced a recovery pilot, the operation of the market, exploring and rapid development of the four stages, although the play the insurance basic functions and derived functions to improve insurance awareness level of the whole people, to promote credit support for agriculture, to enlarge the government funds put into effect to play a certain role, but there are still some problems can’t be ignored, such as the lack of financial constraints of the matching funds mechanism, the underwriting agency management level is not high, the moral hazard of farmers and severe adverse selection, the lack of an effective catastrophe risk diversification mechanism. Led to the current agricultural insurance development and economic development in rural areas PL insurance company can’t meet the needs of farmers, the business model of the company policy agricultural insurance "supply and demand cold "phenomenon, the agricultural insurance market failure" low efficiency.Problems exist in the above, PL insurance company in the development of agricultural insurance based on the basic theory of agricultural insurance, the business model of domestic and international agricultural insurance and Experience in analysis of the PL insurance companies the basis of the history and current status of the development of agricultural insurance, specifically to take a random sample survey and farmers method of random interviews the farmers agricultural risks and Prevention conducted a questionnaire survey of13cities in Liaoning Province (except to Dalian City), designed by the650questionnaires data analysis to organize, find out through the perspective of supply and demand problems in the PL insurance company in the development of agricultural insurance constraints. Promote the development of agricultural insurance company PL suggestions that further clear PL insurance company the mode of development of agricultural insurance, improve the company of agricultural insurance underwriting and claims process improvement program as well as for the organization of the business processes and financial security, to further improve agricultural insurance-related laws and regulations and the establishment of agricultural catastrophic loss fund and agricultural insurance, reinsurance mechanism of PL insurance companies healthy and rapid development of agricultural insurance has important practical significance.