Marketing Cooperatives Of Shijiazhuang Agricultural Mutual Insurance Problems And Countenneasures

On August10,2014, the state council issued "the state council about accelerate thedevelopment of modern insurance services several opinions (guo fa [2014] no.29), relative to2006promulgated by the state council of the state council on the several opinions of thereform and development of the insurance industry, insurance industry called" ten newcountries. Among them, the "ten new countries" gives new vitality, the insurance industry atthe same time to the agricultural insurance also made the more perfect policy. Since2008,shijiazhuang city, hebei province supply and marketing cooperatives under the municipalgovernment’s strong support, actively explore the "government guidance, financial support,members voluntarily, supply and marketing to deal with" the policy security mutual aidagricultural insurance as a whole, rely on the fiscal support subsidy funds a year, according tothe "low rate, low insurance, small scale, less coverage" and "farmers pay up, the governmentcould afford, insurance, insurance affordable" underwriting principles, mainly supply andmarketing cooperatives LingBan professional cooperatives as the carrier, has many of thecounty (city) area in shijiazhuang to pilot. This topic in-depth in hebei province shijiazhuangcity supply and marketing cooperatives, agricultural mutual insurance case, put forward theproblems in the implementation of the agricultural mutual insurance, and put forward targetedfor this series problems solution, promotes the city the rapid development of policy-relatedagricultural insurance and the whole agricultural production.There are many uncertainties, the development of agriculture in the process of itsproduction and operation of systemic and no systemic risk, and farmers to resist the ability ofthe disaster is fragile, this topic in insight into shijiazhuang the rural and agricultural mutualinsurance after the implementation, to how to make effective laws and regulations for thegovernment to protect agricultural mutual insurance, according to ask questions, analyze andsolve problems of logic thinking. First through a lot of reading literature, on the basis oftheory, according to the agricultural mutual insurance professional knowledge, put forward toresearch projects, through field to understand the real data of shijiazhuang city, hebei province supply and marketing cooperatives agricultural mutual insurance effect, supply and marketingcooperatives and farmers by the government, the shijiazhuang three aspects analyze theimplementation of the agricultural mutual insurance problem, in view of the problems putforward reasonable Suggestions.This topic first analyzed the advantages and disadvantages of agricultural mutualinsurance, it is concluded that the agricultural mutual insurance has close to the farmers’demand, effectively control the cost, improve agricultural insurance coverage and reduce therisk of the big advantages, but there also found agricultural mutual insurance legislation lagsbehind, the government support is small, the lack of professional risk managementmechanism, etc. After thorough understanding and survey in hebei province shijiazhuang citysupply and marketing cooperatives, understand the agricultural mutual insurance sustainedgrowth of premium income, reparations, farmers more satisfaction higher status quo, summedup the development of shijiazhuang, supply and marketing cooperatives is a combination ofSMC itself closely relationship with the farmers provided favorable conditions for agriculturalmutual insurance, but due to funding on a smaller scale, contracting ability is limited, isunable to fully protect the interests of farmers, and the lack of professional talents and the riskdisperse mechanism imperfect, leading to the public service function of agricultural mutualinsurance can’t play to the largest. For this series problems from two aspects of thegovernment and the supply and marketing cooperatives propose targeted solutions tostrengthen government support, improve the level of supply management, introduceprofessionals, raising farmers’ insurance awareness, improve the risk management mechanism,and to increase the source of funds "to raise risks", such as supply and marketing cooperativesfor how to improve the coverage and insurance related rates provide reference for qualityproblem, for future large-scale disasters or catastrophic disasters occur, the farmers caneffective use of Chinese agricultural mutual insurance to avoid disaster, the phenomenon ofpoverty as a result, guarantee the stability and improve the farmers’ income, and promote thedevelopment of city agriculture provides great value, promote the city the rapid developmentof policy-related agricultural insurance and the whole agricultural production.