An Investigation Report On The Operation Of Agricultural Meteorological Index Insurance In Jiangxi Province

Agricultural insurance is an important means of agricultural risk management and one of the three pillars of modern agricultural development.Jiangxi province is China's famous big agricultural province,at the same time,facing the threats of many major catastrophic climate,therefore,agriculture insurance's promote the industrialization of agriculture and guide the agricultural industrial structure adjustment and promote the popularization and application of agricultural technology and improve agricultural management main body credit standing are particularly important for the development of agriculture in Jiangxi province.But agricultural insurance because of their particular regional agricultural production,seasonal,cyclical,in the process of our development is faced with many management problems and technical obstacles.Since agricultural meteorological index insurance appear,because of its reduce the risk of moral hazard,inhibition of adverse selection and management of low cost and easy implementation of reinsurance,caused the widespread attention and driven by the world bank group is used to manage agricultural natural risks.Based on a large number of check and analysis of related literature at home and abroad,visiting experts and on the basis of field investigation,guided by the theory of agricultural risk management,using the system analysis,comparative analysis,quantitative analysis method,taking Jiangxi province of Nanfeng tangerine weather index insurance as an example,running situation about agricultural meteorological index insurance in Jiangxi province conducted a thorough study of the system.On this basis,this paper supported by the characteristic agricultural meteorological index insurance,made the system analysis and summary of Nanfeng county in Jiangxi province farmer weather index insurance management problem of the development and the technical obstacles,mainly formed the following conclusions: first,through to the agricultural meteorological index insurance in Mexico,India,and Ethiopia have taken measures and difficulty of research,the basic conditions of agricultural risk in large area of Jiangxi province agricultural meteorological index insurance need to improve;Second of all,the Nanfeng tangerine weather index insurance case analysis show that the current insurance farmers in Jiangxi province's perception of orange weather index insurance is shallow,consciousness and access to information and purchase way single;Third,the provincial government shall be orange weather index insurance into the category of policy-oriented agricultural insurance as soon as possible,at the same time,improving the product design,making diversification of sales channels,strengthening propaganda and education and training are orange weather index insurance development and promotion of good ways;Fourth,the pilot application of Jiangxi province and promote agricultural meteorological index insurance policy recommendations include: to perfect agricultural meteorological index insurance related link of product design;To further perfect the government out of agricultural meteorological index insurance mechanism;To strengthen the construction of relevant professional talent team,pay attention to the cultivation of talents and the introduction and strengthen the sustainable development of agriculture meteorological index insurance;Expanding sales channels,and deepen the bank-insurance cooperation mode;Exploring the various channels such as dispersion of catastrophe reinsurance system of agricultural meteorological index insurance business risk;Fifth,agricultural meteorological index of insurance products to solve supply and demand,is recognized by both insurance companies and insurance farmers and agricultural meteorological index of insurance products in Jiangxi province is the key to large-scale promotion.At present,Jiangxi agricultural meteorological index insurance operation is limited to insurer Jiangxi branch and operation time is short,the province's agricultural meteorological index of few types of insurance,the government's fiscal subsidies and related policy has not yet been implemented,and the agricultural insurance product in terms of design,operation and development still exist many problems,therefore,promotion and application of agriculture in Jiangxi province meteorological index insurance work will be a long way to go.But the practice at home and abroad are consistent with the research results show that agricultural meteorological index insurance for the long-term development of the insurance of agriculture in Jiangxi province and to promote local economy in Jiangxi province has very important practical value and practical significance.