| China is a big agricultural country, agriculture is the basic industry of our country, the development of agriculture is directly related to the stability and development of society, as an important measure of agricultural policies agricultural insurance can disperse and dissolve the Agricultural Risk and Disaster Losses. In recent years, the impact of market risk on agriculture is increasing, the prices of many agricultural products in our country are experiencing violent fluctuation, violent fluctuations in agricultural prices not only affects the income level of farmers, but also directly affects the level of consumption of the general public and the welfare effects of the society. In order to solve this problem, and constantly improve the price regulation mechanism of agricultural products, agricultural price policy insurance work is listed as one of the important work in the National Development and Reform Commission and the price department at all levels. In recent years, all over the country have pilot agricultural products price index insurance, Shanghai launched the first green vegetables cost price insurance products, Beijing launched the first pig price index insurance, agricultural product price index insurance compensation for the loss caused by falling prices to farmers, it plays an important role in stabilizing the supply of agricultural products. Then some cites and provinces have also launched pig, vegetables, fruits and other agricultural products price index insurance, that promote the development of agricultural price index insurance. Agricultural product price index insurance is currently in our country the development time is short, many work is still in the constant exploration stage. With the reform and development of market economy, the degree of integration of China's agricultural products market is getting higher and higher, the price risk of agricultural products is more systematic than that of production risk, it is the systematic risk which all the policy holder faces, the extent and scale of the loss may exceed the scope of the insurance company.This article mainly through the comparative analysis method, the case analysis method and so on many kinds of methods to study our country agricultural product price index insurance. Firstly, analyze the causes and characteristics of agricultural price volatility, due to the limitations of agricultural production, the price of agricultural products and supply and demand is difficult to achieve balance. In recent years, the emergence of animal and plant epidemic situation is exacerbated the volatility of agricultural prices. And agricultural product price index insurance is different with the traditional agriculture insurance in the insurance subject, accident, damage survey and security risk insurance. Therefore, agricultural product price index insurance has transparency of information, lower transaction costs, farmers are more easy to grasp the advantages, at the same time, agricultural product price index insurance has important significance in guarding against market risks and ensuring the supply of agricultural products. The favorable conditions for the popularization of agricultural products price index insurance in our country is because there is a demand and supply sides willingness to supply, and the strong support of national policy and local government. At present many provinces have implemented vegetable price index insurance and pig price index insurance, according to the characteristics of local agricultural products, select the appropriate product development and operation, for the development of agricultural product price index insurance accumulated experience. Through the introduction of the current situation of the pilot operation in China, and combined with the theory of agricultural insurance, the development dilemma of agricultural price index insurance is analyzed. Different from the previous research on the theory of agricultural insurance, This paper selected pilot relatively mature domestic pig prices index insurance and garlic prices index insurance do case study, learning lessons from pilot experience and drawing inspiration for China's agricultural price index insurance operation and development, suggestion has been made about how to keep sustained development of agricultural price index insurance: strengthen the construction of agricultural insurance system, build a sound agricultural product price insurance system; increase the prices of agricultural insurance development efforts; rich agricultural products price index insurance, strengthen policy support and guide, promote the agricultural products price index insurance development; establish catastrophe risk dispersion system; combine with options and Futures to defuse the risk of price fluctuation. |
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