Research On The Agricultural Insurance Development In Tianjin

Agriculture is a weak industry and often threatened by natural disasters and other factors.In order to improve the stability of agricultural production and reduce the unpredictable all sorts of loss risks,it is necessary to strengthen the efforts of agricultural insurance.For the unique geographical location near the oceans,the city of Tianjin all the year round is subjected to the storm,hail,floods and other natural disasters.Agricultural insurance is a proper way to provide a mechanism of risk separating and loss separating;however the progress of Tianjin's agricultural insurance is very slow,there are some factors causing hindrance in its development,therefore,a study pertinent to the development problems of Tianjin's insurance has a certain practical significance to promote the development of local agriculture industry.On the basis of the related literature review at home and abroad,this paper analyzes the present situation of Tianjin local agriculture insurance,and then takes advantage of field investigation and questionnaire interview method to understand the local farmers' perceptions of agricultural insurance as well as the existing problems,and finally puts forward some proposals in view of the problems.Through the investigation,it can be seen that the situation of agricultural insurance in Tianjin has the following characteristics:on the whole,the agricultural insurance development is mainly promoted by the government t,belonging to the policy-oriented agricultural insurance,so its commercial agriculture insurance market is not active,only occupying a small part of the three main insurance companies;Agricultural risk has restricted the development of local agricultural production,so the agricultural insurance is imperative.Tianjin agriculture insurance service level has been promoted as a whole.By the methods of questionnaire and interview,the survey of agricultural insurance market in Tianjin shows the result as follows:majority of have not listened and understand agricultural risks;At lower rates,male has greeter will than women in participating the insurance;As the age grows,the farmer's insurance will be lower;When the agricultural production becomes the main income source,the will of insurance is positively correlated to income growth,while there is a negative correlation when the main income source is other jobson the contrary,the.Through the investigation and analysis,it is found that Tianjin's agricultural insurance has the following problems:farmers have poor consciousness to avoid risk and keep a conservative concept of crop production;Tianjin agriculture insurance business can provide limited coverage,the radiation area is small;lack of commercial agricultural insurance perfect mechanism,causing the situation of totally relying on the support of the country which can't meet the demand of various fields producers at the same time;Guarantee ability is insufficient,which cannot stimulate the rate of rise;the disperse mechanism of disaster and risk is not mature;policy has many shortcomings,which together with the lack of effective supervision department create opportunities for some opportunistic people;there is shortage of talent engaged in the agricultural insurance professional with perfect skills.Pertinent to these problems,the paper puts forward the following suggestions:When government or private enterprises are in the promotion of agricultural insurance knowledge,the tools that often appear in farmer's life can be used to increase the explanation of the meaning of agricultural insurance and subsidies;agricultural insurance companies should be based on the principle of appropriate to carry out multi-regional,multi-mode to increase the scope of services and introduce new types of insurance operating mechanism;increase the government's financial support to the cause of the insurance,increase the subsidy to the premium and improve the ability to protect the risk;establish a huge disaster risk mitigation fund to buffer ensure the significant damage and loss;improve the laws and regulations of the management of agricultural insurance and establish a separate management of regulatory agencies,refusing corruption and opportunistic occurrence;attract more people with lofty ideals and all the skills needed for agricultural insurance,specifically it can be by means of oriented culture directly related to the relevant professional colleges and universities.