Policy-related Agricultural Insurance Market Structure, The Relationship Between Efficiency And Performance Research

The current our country agricultural insurance premium subsidy mechanism has increasingly mature,increasing agricultural insurance market management main body,agricultural insurance coverage and the safeguard level enhances unceasingly,farmers much choice of agricultural risk aversion.At present,our country agricultural insurance market gradually open to the new situation,increasing the market main body,the coexistence of different nature of the market main body status,policy-related agricultural insurance in China belong to which kind of market structure? Policy-oriented agricultural insurance management efficiency? Chinese policy-related agricultural insurance market structure,the relationship between efficiency and performance is in line with the traditional SCP hypothesis? To solve these problems,must be based on agricultural insurance market structure,efficiency and performance research,respectively,using the method of quantitative analysis and qualitative analysis,hypothesis testing.This paper uses the SCP analysis framework,from the macro level,to our country agricultural insurance market over the past four years is analyzed,through the policy-related agricultural insurance market structure,efficiency and performance relationship between empirical research,test five hypotheses are consistent with policy agricultural insurance market situation in our country.In the first part introduced the paper selected topic background,theoretical and practical significance,and then study the related research status at home and abroad were reviewed and summarized,on the basis of predecessors' research was reviewed,and determine the research direction of this article,finally the thesis research ideas and innovation and deficiency.The second part of the thesis can define some concepts and the policy-oriented agricultural insurance market structure,efficiency and performance study of theory.The second is the research emphasis of this paper: first,the analysis of market structure from the market concentration,barriers to entry and product differentiation are studied;Second on the policy-oriented agricultural insurance efficiency research,using DEA analysis method,the technical efficiency is decomposed into pure technical efficiency and scale efficiency analysis;Then the performance analysis and the traditional SCP hypothesis,the relative market power hypothesis,the efficiency hypothesis test and calm hypothesis.Through the research on the performance of policy-related agricultural insurance,agricultural insurance to the cost of loss ratio,simple compensation growth rate and other indicators,from the company,analyzing the performance of agricultural insurance level and social level.In this paper,the conclusion is: firstly,policy-oriented agricultural insurance market in China belong to the oligopoly market,the future for a period of time to continue this kind of condition;Policy-oriented agricultural insurance in our country will face barriers to entry is mainly policy barriers and capital barriers,Chinese current lack of exit mechanism;Our country agricultural insurance production differentiation degree is low.secondly,professional agricultural insurance companies in China,technical efficiency is higher than that of comprehensive insurance company from the decomposition of metrics,pure technical efficiency of agriculture insurance company is higher,and is generally relatively low scale efficiency value.thirdly,policy-oriented agricultural insurance market in China in line with the relative market power hypothesis,namely agricultural insurance organization of the larger market share to pay contributions to the cost of agriculture also is very big,but for the traditional SCP hypothesis and efficient structure hypothesis and hypothesis was not at all.