The Study On Management Patterns Of Policy-based Agricultural Insurance In Guizhou

Guizhou Province is a large mountainous agricultural province, is a natural disaster-prone provinces, agriculture faces multiple risks of natural, market, policy, and efficient agricultural development needs of agricultural insurance to help us. Guizhou Province, a vast rural area, culture and customs of different ethnic, natural resources, geographical conditions among regions, this difference leads to Guizhou Province agricultural insurance policy development is restricted, in particular, its business model is facing numerous challenges, compared to domestic and foreign policy Agricultural Insurance development has made significant achievements in the region, without exception, has the region for good agricultural insurance model. Therefore, to explore Guizhou Province policy agricultural insurance business model has important theoretical and practical significance.In this study, the concepts of policy agricultural insurance business model to proceed, on the basis of analysis of domestic agricultural insurance business model of experience, based on the basic situation of Guizhou Province policy agricultural insurance business model, business model analysis of existing problems explore the factors affecting their business model from farmers, insurance companies, three levels of government, and make specific recommendations. Details are as follows:First, sort out the research in the academic connotation on agricultural insurance, the type of business model and the impact of the business model of factors, grasp the latest research trends and research trends, a clear purpose and significance of this study.Second, the definition of the agricultural insurance, agricultural insurance policy, concept and content of policy agricultural insurance business model, explains the theory of the three policy-oriented agricultural insurance: the theory of quasi-public goods, asymmetric information theory, market division theory, at home and abroad more successful and mature policy agricultural insurance business model, the formation of the experience and Inspiration Guizhou Province policy agricultural insurance business model, to carry out this study provides a theoretical support.Third, reviewed the course of development in Guizhou Province agricultural insurance business model and the basic content of the current Guizhou Province policy agricultural insurance business model, characteristics and status of implementation, the use of data, charts, Guizhou province agricultural insurance business model systematic and detailed analysis of this study follow-up provide a realistic basis.Fourth, the analysis of the business model of agricultural insurance policy status qua of Guizhou Province, based on its analysis of the current business model problems specific effective demand from farmers, insurance companies, effective supply, government policy support and specific operating level, were described in detail.Fifth, according to the actual situation Guizhou Province policy agricultural insurance business model and existing problems, from farmers, insurance companies, government participation in three main angles, factors affecting Guizhou Province policy agricultural insurance business model was quantitatively analyzed. Through questionnaires, combined with logistic model, found that: education, migrant population, agricultural income proportion of total revenue over the past three years the number of victims of natural disasters, the level of understanding on agricultural insurance, the promotion of agricultural insurance support for agricultural insurance the level of satisfaction and other factors significantly affect agricultural insurance enrollment rate; proportional to the agricultural population, gross agricultural production, farmers’ net income, agricultural disaster area, the supply amount of insurance, subsidies and other policy factors and insurance premium income; government can bind municipalities(state) GDP, fiscal revenue, and the proportion of primary industry output value of agriculture, forestry and water affairs spending accounts for the proportion of total fiscal expenditure areas, per capita net income of rural residents in the area and other factors in the total output value of tertiary industries in Guizhou Province 9 cities(prefectures) administrative divisions into four categories, differentiate different levels of financial subsidies.Sixth, the relationship between reality and the basis of factors based on Guizhou Province policy agricultural business model, envisaged a framework Guizhou Province policy agricultural insurance business model, and behavior from the norms participants to establish catastrophe risk diversification mechanism and improve relevant laws and regulations propose specific safeguard measures and other aspects.