| Our country is a large agricultural country. Statistics show, our country has the resident population of 619 million people in rural areas and the total cultivated land area of 121.7 million hectares in the end of 2014. The agricultural economy is the foundation of the national economy. However, our country has a high frequency of occurrence of natural disaster which has caused serious economic losses resulting from the famers have very limited ability to cope with severe natural disaster. Faced with huge losses caused by natural disasters, relying on financial assistance and social donations is not an effectively way to compensate for catastrophe losses, only through agricultural insurance as a tool to spread catastrophic risk of loss layers. We can only gradually spread catastrophic risk of loss through agricultural insurance. But due to lower income levels of farmers and the insurance companies who is often accompanied by high debts, high risk with operating agricultural insurance business, the insurance company is prone to a loss situation and the market size of China's agricultural insurance continues to decrease.In this paper, we analysis the properties of the economics of agricultural insurance, and combined with the current situation of the development of China's agricultural insurance; we realize the urgency and necessity to develop policy agricultural insurance at current stage. At the same time, regarding the development of Anhui's policy agricultural insurance as an example, describe the current situation and problems of the development of Anhui's policy agricultural insurance, and analysis the influence factors on effective demand of Anhui's policy agricultural insurance from the farmers' point of view. Then give some policy suggestions to the implementation of Anhui's policy agriculture insurance. Policy agricultural insurance can let farmers effectively avoid the loss of agricultural disaster, and have been received strong support and development in many countries, it is to maintain stable agricultural production and "Green Box Policy" to protect the interests of farmers.Paper is divided into five parts as follows:In the first part, introduce the concept of agricultural insurance, and give the concept of policy agricultural insurance. Then focusing on analysis of the substance and the important role of policy agricultural insurance, combined with the actual development of China's agricultural production and agricultural insurance, we get the conclusion that it is must to implement policy agricultural insurance.In the second part, analysis agricultural insurance from the economic point of view and point out its quasi-public product attributes. Agriculture's positive externalities of "production" and "consumption" lead to its inadequate supply and demand, which further indicates that it is necessary to implement policy agriculture insurance. We can get the result that policy agriculture insurance would effectively solve the problem of insufficient supply and demand of agricultural insurance through analyzing its equilibrium.In the third part, analysis the development status and problems of Anhui's policy agricultural insurance and show out the agriculture economy's important role on the national economy of Anhui province which emphasize the importance of developing policy agricultural insurance. Then from the development process of Anhui's agriculture insurance, we analysis the development of policy agricultural insurance. Finally, point out some existed problems of our province's policy agricultural insurance.In the fourth part, analysis the influence factors on effective demand of Anhui's policy agricultural insurance from the farmers' point of view and give the main factors affecting the farmers to buy agricultural insurance. Then we put forward some suggestions for better implementation policy agricultural insurance and improving the efficiency of subsidy funds result from these factors.In the fifth part, policies and recommendations. |
PDF Full Text Request