The Study On Current Situation And Countermeasures Of Agricultural Insurance In Hubei Province

Policy-oriented agricultural insurance is one of the most important pillars of modern agricultural development. The "No.l document" of central government continuously pays attention to agricultural insurance domain, laying a solid foundation for the development of agricultural insurance, pointing out the direction, injecting strong power. At the same time, as an important gripper of "three agriculture "work, the agricultural insurance undertakes the important historical tasks, such as the risk guarantee, stability of farmers' income and invigorating the rural economy. Since 2003, under the continuous attention of the"No.l document" of central government and the strong support of national finance, many parts of the country have carried out the pilot work of agricultural insurance, and Hubei province has also actively responded and carried out agricultural insurance.In 2008, Hubei province was included in the central finance premium subsidies pilot. Since then, the fiscal subsidy for model agricultural insurance comprehensively starts. According to the operating mechanism, "the government leading, market operating, voluntarism, collaborative advancement", agricultural production risk has been more effectively resolved, the reproduction agriculture has also been guaranteed. And the development of agricultural insurance has played a positive role in promoting the farmers' living standards and steadying development of agricultural economics in Hubei province. However, there are also some problems in this operation.Firstly, the paper made a full range summary about the development of agricultural insurance of our country as well as Hubei province. Later, it in-depth analyzed the achievement of Hubei agricultural insurance in the past few years. And, it also analyzed the specific problem and deficiencies in the development of Hubei province agricultural insurance. Following, based on the non-parametric DEA and a basic criterion which agricultural insurance is contribution to agricultural production, the study attempts to elucidate the current status of agricultural insurance from data level and explore weakness and potential improvement on this basis. Finally, combining with the specific problem in Hubei province and the shortcoming of agricultural insurance operation in data analysis, targeted countermeasures and suggestions are put forward, so as to provide valuable references for the healthy and orderly development of agricultural insurance in Hubei province.Through analysis we found that, first of all, agricultural insurance in Hubei province has obtained certain effect in development process, but it still faces realistic difficulties such as less insurance, low level of protection and weak financial support. Secondly, The empirical results indicate that the development of agricultural insurance in Hubei province has no positive influence on the total factor productivity of agriculture, but does some good to promote the technical efficiency of agricultural production. Finally, this study pointed out several suggestions to promote the healthy development of agricultural insurance in Hubei province, such as improving the agricultural insurance support, promoting the development of effective management system, perfecting the agricultural insurance services, strengthening agricultural insurance publicity and improving the enthusiasm of farmers insurance level.