An Analysis Of The Innovation Model Of "Insurance + Futures" Of Picc And Xinhu Futures

In recent years,the world economy continues to boom,the financial industry is also constantly improve and progress,in this context,China’s agricultural products will face the risk of more diverse and complex,at present,the implementation of reform of agricultural supply side,we intensified the efforts on to inventory,many varieties of agricultural products to cancel the purchase and storage policy,there is no policy of palm,prices for agricultural products facing the frequent fluctuation of price,which brings to the farmers or agricultural enterprise huge loss amount,directly affect the consumer welfare level,and even cause bigger impact on the stability of agriculture,rural areas and farmers,as well as the influence to the steady development of the economy as a whole,so the extension of agricultural insurance,guarantee the farmers income is the needs of the people and the reality of the government,however,the traditional agricultural insurance and price index have some limitations,such as the lack of fair price discovery mechanism and risk disperse mechanism,not only can let farmers producers guaranteed income,the insurance company will be huge claims to disperse risk and can also stimulate the vitality of the futures market,insurance companies use the agricultural risk management,better promote the price formation mechanism,has now become a hot topic,also is the focus of the government working content,high degree of attention to the development of agricultural insurance in our country.In this paper,first of all,the traditional mode of agricultural insurance and insurance of price index and elaborates the existing limitations,and then with the "insurance + futures price risk management mode,summarize" insurance + futures "this pattern of comparative advantage.Then the insurer cooperation with Switzerland abundant new elaborates the process and result,and extract the cases of high cost of the risk of transfer of the subject,single futures varieties,excessive government intervention and so on.Finally,in view of the before improvement measures and Suggestions are put forward.