Research On The Influence Of Agricultural Production Structure To Policy-oriented Agricultural Insurance

"To the Country and people,the food is all-important",agriculture in China has an important strategic position in national economic development.The Eighteen National People’s Congress of the Communist Party of China(CPC)clearly stressed that how to solve the problem of "three rural issues" will be the top priority of the party.Even the"13th Five-Year Plan" points out that the five concepts should be used to promote the development of agriculture transformation,stimulate the inherent power of agricultural development,to solve the "three rural" problem with innovation in science and technology,to achieve synchronous construction of "new industrialization,informatization,urbanization and agricultural modernization".In the problem of "three rural issues",the most fundamental problem is the problem of farmers,and the core of solving the problem is to ensure the farmers’ income.As the main means of risk diversification and economic compensation,the improvement and innovation of Agricultural Insurance play a positive role in improving the level of farmers’ welfare、enhancing grain production capacity、promoting agricultural modernization、improving the rural financial system and stabling national economy.China has vast territory,great different natural conditions such as climate and geographic of each region lead significant differences in risk that agricultural production face,the agricultural insurance developmental mode in various regions are totally different.Regional characteristics is obvious.For the influence of the regional development of agricultural insurance on the development of China’s policy-oriented agricultural insurance has been paid special attention by the Chinese government and academia.This is also the issue which this article will studies.The purpose of this study is to analyze the impact of agricultural structure differences in the province on local agricultural insurance development through empirical analysis,to provide scientific basis for the relevant policy that the government departments formulate.In order to achieve the research objectives above,this paper selects national and provincial(City,autonomous region)data from 2002 to 2015 to establish a comprehensive panel data based on summarizing the authoritative domestic and foreign related literature,field research and collection of national statistical bureaus issued by the yearbook or related socio-economic and policy information.Firstly through descriptive statistics this paper analyzes the national and provincial policy-oriented agricultural insurance developmental level and model,and then introduces the concentration index to reflect the difference in the province’s agricultural production structure.Finally On the basis of the above,the econometric model of regional characteristics and agricultural insurance development is established to analyze the relationship between them.The main conclusions are as follows:(1)Since 2007,the overall development of agricultural insurance in China has been on the rise in general,but there are serious regional differences;(2)The higher the concentration ratio of agriculture and animal husbandry products,the stronger the positive impact on the development of agricultural insurance;(3)The higher the total output value of agriculture and animal husbandry,the more conducive to the development of local agricultural insurance;(4)Policy and government play a key role in the development of China’s policy-oriented agricultural insurance.According to research conclusion,this paper proposes some significant policy implications as follows:(1)to achieve regional difference of agricultural insurance policy;(2)to achieve regional difference of agricultural production and agricultural insurance management;(3)to establish the discrepant regulatory model of agricultural insurance.;(4)to draw lessons from the area of higher agricultural insurance development in the same region,to accelerate the formation of provincial agricultural insurance development model;(5)the establishment of agricultural insurance risk fund.