The Development Research Of Agricultural Product "insurance+futures" Pattern In China-PICC & Xinhu Futures Underwriting Agricultural Future Price Insurance

With the continuous development of our country's economy,the position in the international economic increasing, with the rest of the world economy is increasingly close, China is in a critical period of economic transformation, both opportunities and challenges.Seize the development opportunity, actively cope with challenges, to the development of our country has a solid foundation. Our country has always been a agricultural country, the status quo is the rural population, agricultural development is behind other developed countries, rural infrastructure, solve "three agriculture" problem is the important foundation of social stability and development in our country. In the countryside, the fanner's main source of income is the sale of agricultural products, so the price of agricultural products has become the main factors affecting the agricultural economy.In recent years, the national policy documents repeatedly to gradually build system of agricultural product price target, strengthen the construction of agricultural products futures, options market, actively guide agricultural enterprise use futures, options market risk management,steadily expand "insurance + futures" pilot. The pilot implementation of agricultural product price target system in China to promote agricultural products price formation mechanism reform, fill price means separation, prop up the market to buy into a price support means. Nearly two years, to ensure the farmers' income, improve the efficiency of financial capital,also effectively promote the domestic and international agricultural products price formation mechanism. But, overall, the "insurance + futures"cooperation mode is still in its infancy, in the cooperation pattern exploration and the improvement of mechanism as well as if a large number of agricultural products futures price insurance will import the futures market futures market stress strength is insufficient, therefore, in this paper, the research has important application value and practical significance.This paper USES the case analysis, comparative analysis on "futures" insurance +model to study related issues, and on this basis, put forward countermeasures and Suggestions in order to promote the model under the service "three agriculture" problem,better development to more areas. First of all, in order to preserve and futures cooperation underwriting new agricultural products futures price insurance as an example to introduce the current agricultural insurance + futures "pattern, the pattern of solves the two problems of risk management of agricultural products: security price determination and dispersed after insurance company accept insurance could face huge compensation risk, and illustrates the danger and the advantages and disadvantages of new futures cooperation. Secondly, analyzes the problems existing in the "insurance + futures" mode and the reasons, such as the development of China's futures market is not mature. Again,in order to further improve the model, and to summarize the experience of the United States, Japan and the European Union, get inspiration mainly has three points: developed agricultural product futures market and improve the system of agricultural insurance and diversification of government support. Finally, puts forward some countermeasures and Suggestions in view of the problems, such as expanding the scope of the agricultural insurance, intensify mode of propaganda and training work, improve the mode of legal and institutional guarantee, explore new ways of government support, play the advantages of exchange-traded, extension, agricultural chain dimension, promote"insurance ++Internet futures" model upgrade and expand agricultural service scope.