The Model Design Of The Financial Subsidy Of Agriculture Insurance In Shandong Province

Agriculture in a pivotal position in the national economy, all countries in the world attach great importance to the healthy development of agriculture, it can directly affect the development of the society steady development. Face the risk of loss of agricultural production mainly comes from natural disasters, and through the implementation of the agricultural insurance, can effective risk management of agricultural production. As dispersing risk of agricultural production and economic loss compensation mechanism, to stabilize the rural residents income level, promote the development of rural economy and agriculture plays an important role, so in the rest of the world agricultural insurance has won a wide range of promotion, the authorities are to the agricultural insurance to give a high level of support, is the main support policy of agricultural insurance subsidies.Since 2004, the Chinese government for six consecutive "document 1" has carried on the clear stipulation, to carry out policy-oriented agricultural insurance file points out to gradually establish a perfect system of agricultural insurance, gradually raise the level of agricultural insurance premiums at the same time, through the development of agricultural insurance, to ensure the "support" policy put in place. As farming population, cultivated land area of the larger economy big province, to fully safeguard farmers' rights and interests, safeguard social and economic stability, in 2006 in Jinan of Shandong province Zhangqiu, the Liaocheng city ofLinqing and Weifang Shouguang three county-level cities carried out policy-oriented agricultural insurance, from the strategy of building a harmonious new socialist countryside, by specifying the subsidies varieties, to carry out the insurance premium subsidies, subsidies to preferential policies to promote agricultural insurance. The implementation of the agricultural insurance subsidies, greatly improve the production and operation of the farmer's enthusiasm, safeguards the farmer living standard, the harmony and stability of rural has played a positive role.This article takes Shandong province as a case study of agricultural insurance subsidies. First with the help of economic theory, financial subsidies for agricultural insurance is necessary, demonstrates the feasibility analysis, through the quasi-public goods theory, market failure theory, game theory, it is concluded that fiscal subsidies for agricultural insurance is necessary, and feasible; Belgium, the United States and France next to abroad, and domestic of Jiangsu, Zhejiang and Shanghai agricultural insurance subsidies were analyzed, and summarize the experiences of reference in the study of Shandong province; Reviewed the Shandong agriculture insurance development course, again in 2011,2014 and 2015 annual pilot policy made a detailed introduction of the three, and policy analysis and comparison of the three year, summed up the disadvantages of current agricultural insurance policy faces in Shandong province; Then according to the current subsidy policy in Shandong and Shandong historical statistical data, the simulation calculation of different rate of fiscal subsidies and the influence of the farmers themselves bear the premium line, through the selection of wheat, corn and cotton the three main crops and dairy cattle and pig livestock varieties as analysis target, the two common measure of fiscal funds needed for the different rates of combination cases and farmers own lines, financial subsidies to different fiscal and farmers pay level in shandong province empirical analysis; The last object from subsidies, financial subsidies, subsidies standards, should be taken to the source of the subsidies, etc., to construct the shandong province agricultural insurance subsidies are discussed.