Research On The Problem Of Precision Agriculture Insurance In A Province

By 2020,it will be the first arduous task for China to achieve the goal of building a well-off society in an all-round way and achieving a comprehensive well-off society.Affected by the economic environment,historical conditions,A province national poverty counties of the province accounted for 48.31%,The frequency of poor rice disaster every year up to 30%,how to resolve the risk of agriculture has become an important breakthrough in the rural poor out of poverty.In May 2016,Chinese CIRC and LGOP signed release "on the insurance industry to boost the poverty alleviation work opinions",Emphasizing the irreplaceability of agricultural insurance in precision poverty alleviation,strengthen agricultural insurance scattered agricultural risk,disaster prevention and loss reduction function and poverty alleviation precise docking.2017,the central document for fourteenth consecutive years focused on the "three rural" work,13 places mentioned insurance,agricultural insurance risk control of the industry put forward higher requirements.The agricultural insurance is also given and the loading function of disaster reduction,economic compensation from the foundation to disaster prevention and social management,poverty alleviation,letter of guarantee by comprehensive functions such as development,to promote the economic development and the transformation of government functions,improve social governance,protect and improve people’s livelihood,to prevent poor farmers because of poverty.The method of agricultural insurance premium subsidies by the government poverty alleviation precise and accurate poverty alleviation funds allocated,the introduction of the insurance company for the operation of the market,to the poverty stricken farmers loss compensation,and support the rural poor population due to disaster at the end of poverty,A Province,the provincial government issued "issued the insurance industry to boost the precise poverty poverty alleviation precise guidance","agricultural insurance precise poverty work program" and other documents,to guide the province’s agricultural insurance precise poverty alleviation,and achieved certain results,but there are also some problems.The supply side structural reforms such as understanding insufficiency,grass-roots finance premium subsidies,not follow the poverty of farmers on agricultural insurance precise poverty is not in place,lack of agricultural insurance degree,seriously affect the agricultural insurance work to promote accurate poverty alleviation.The existence of these problems,forced insurance companies to increase agricultural insurance precision poverty alleviation innovation,taking into account the interests of many parties,the establishment of multi-level security system.Qualitative analysis and literature research shows that the enhancement of insurance companies,claims risk prevention capacity,development and services to improve the ability to use new technology,to strengthen the control ability construction,strengthen the agricultural insurance professional team construction;optimize the allocation of financial capital,broaden the channels to obtain funds,agricultural insurance policy and other precise poverty agriculture policy binding agricultural insurance;strengthen the precise poverty advocacy,the establishment of agricultural insurance precise poverty alleviation demonstration village,demonstration county;carry out innovation characteristics of agricultural products,insurance index insurance innovation,improve the level of protection and coverage,is the effective way to improve the precision of the poverty relief work of agricultural insurance.