A Study Of Status Quo And Countermeasures Of Agricoltural Insurance Subsidies In Wenzhou

With the acceleration of agricultural modernization development, the agricultural insurance, as a supporting financial sector to guarantee the stable development of agriculture, is increasingly being valued by people. Although China’s agricultural insurance business is initiated rather late, the full coverage has been achieved nationwide within only a few years due to the fast development speed. Promulgated in 2012, "Agricultural Insurance Regulations" marks China’s agricultural insurance business has a unified framework of legal regulations, which helps China’s agricultural insurance reach a new development stage as well as gradually becomes a vital force to support China’s agricultural development. Wenzhou is a relatively developed city in the China’s South-East coastal area. It also sets an example of agricultural insurance service development in Zhejiang Province. Due to concerns from the municipal government of all levels, key indicators of Wenzhou’s agricultural insurance service development have always been leading in Zhejiang Province for many years. In the working practice for many years。In this paper, the 11 counties and cities of Wenzhou Province agricultural insurance subsidy policies were studied, and visited one of the four counties, the investigation and the analysis results are as follows:1.Wenzhou agricultural insurance development showed the following characteristics:① The content covers. Our city agriculture insurance varieties, covering planting, aquaculture and forestry three categories,19 varieties;② the innovation ability. Test policy of rural housing insurance, household indoor property insurance and personal accident insurance, creative established agricultural catastrophic risk protection reserve system, test" coinsurance" business ideas to the government guidance in place. ③ In 2007, the Wenzhou municipal government issued the "implementation opinions" about carrying out the pilot work of policy agricultural insurance coverage to meet the requirements of the file, the insured object 50%, in 2009 the government issued a document to the coverage ratio increased to more than 70%, and made a lot of new regulations in terms of species and the standard coverage, Can Biotin requirements.④Wenzhou municipal Party committee, municipal government also to urban and rural comprehensive reform, local financial reform and innovation work as a platform, the agricultural insurance related work requirements and content into these guidance documents focus on the work of the high standards of subsidies. Special funds and subsidies for rice 80%, other insurance subsidies 40% forest insurance subsidies reached 100%. At the same time, according to ranking regulation, Wenzhou city bear 60% of the capital investment, and the district finance share 50% of them.2.According to government subsidies in the form, there are three types:the government of Wenzhou Agricultural Insurance Subsidy Insurance part, including rice, wheat, rape and so on; the government subsidies in full insurance, the ecological public welfare forest insurance; the guidance of government subsidies of insurance, including the policy of rural housing insurance, household indoor property insurance and person personal accident insurance and other property types. 3.Through the visit on Haizeya Town, Longwan Town, Pingyang Ling-Kun Shuitou Town, Cangnan Longgang Town, the author found some problems of the agriculture insurance:①between the ideological understanding and practical development of the premium and ② the claim amount contradiction contradiction of the public benefit and insurance companies lose ③ the contradiction between government regulation ④contradiction market operation loss between the. These contradictions arising, unreasonable financial subsidy system plays an important role in.Through an analysis of the reasons for the rapid development of China’s agricultural insurance, it can be found, except the needs of agricultural development, a more important factor is the active promotion from government. And among supportive and primitive measures issued by the government, the financial subsidy is the most important and crucial one. Since the agricultural insurance pilots are initiated in some provinces, the government has paid great attention to support and lead the government subsides and demands all levels of governments to give actual financial guarantee. During years of practice afterwards, this measure has also been carried out and implemented by the governments. However, it remains to be proved and reflected whether or not financial subsidies has played its due role in the agricultural insurance development and there is need to improve.In view of these problems, others’ findings and the author’s thinking, with the case of financial subsidy of Wenzhou’s agricultural insurance, the author proposes some measures for optimization including as:①changing ideological understanding, improving pricing system, enhancing agricultural insurance financial market and accelerating the realization of an information-based financial subsidy.② Changing ideological understanding includes understanding in market relationship, role equality, and the benefits for all people.③Supporting agricultural insurance financial market includes developing agricultural insurance of diverse forms, establishing the third-party service organization and extending the scope of subsidy, aiming at giving more people the financial subsidy and improving its efficiency. ④Realizing an information-based financial subsidy is mainly making the content and knowledge of financial subsidy known to the public and the parties in agricultural insurance reasonable. The author hopes that these measures would shed some light upon the studies in relevant fields.