Yunnan Policy-related Agricultural Insurance Situation And Development Model

Agriculture is fundamental to a country’s national economy, is the most basic means of production and living materials production of the first production department. As an agricultural country, ensure the safety of the agricultural production stability, is directly related to economic development and national security and stability. The innovation of the agricultural insurance as a national disaster relief way is significant for scattering agricultural risks, ensuring agricultural production, and maintaining farmers’ vital interests. Now agricultural insurance innovation is increasingly catching the attention of all parties.In recent years,Yunnan provincial party committee, provincial government pay more and more attention to the development of the insurance industry, hoping to use risk insurance mechanism to promote social management and public risk guarantee service innovation. At present, Yunnan province grain output is ranking 14TH in our country and is next only to Liaoning Province, the major grain producing areas of China. As the global climate warming, extreme weather, agricultural catastrophe risk probability increase, caused serious influence on food security and social stability. Trial of policy-oriented agricultural insurance of yunnan province officially launched in 2007. Although the provincial government under the auspices of agricultural insurance has a cross-cutting development in yunnan province, the region has established the basic model of agricultural insurance work and orientation of agricultural insurance in stable crop production, stable income of farm household, enhance the agricultural ability to resist risk, etc, also played a role, but most of the regional agricultural insurance business is still extensive, has great randomness and empirical. Agricultural risk zoning humble, agricultural insurance rates set is not science, the problem such as subsidy scheme for single cause agricultural insurance development in yunnan province there are many hidden dangers, widespread doubt about the fairness of the agricultural insurance, its long-term effect is not widely recognised.The three consecutive years of drought in Yunnan province from 2010 to 2012, Not only cause huge loss to agriculture development of Yunnan, but also promote many reflection such as:Under the background of increasing incidence of extreme weather, establishing agricultural insurance function mode, can make the agricultural insurance to better play its, disaster prevention and reduction of non-grain food "and" vegetable basket "security, promote agricultural modernization and promote the farmers’ income and other social management function? A what kind of agricultural insurance business model to the most suitable for the situation of yunnan, mood complex and diverse climate and geographical environment? Ends up making the policy-oriented agricultural insurance system in yunnan, stable agricultural production, disaster prevention and reduction to promote agricultural modernization and narrow the gap between urban and rural, the respect such as service change of the pattern of rural economic and social development play a more active role, etc.This article through the empirical analysis, standard analysis and comparative analysis of the status quo of policy-oriented agricultural insurance of yunnan province and a detailed analysis of existing problems, from anhui province, jiangsu province, Beijing three typical operating characteristics of policy agricultural insurance development pattern, improve and perfect the puts forward eight Suggestions of policy agricultural insurance in yunnan province.