The Research On The Current Situation And Development Strategy Of Agriculture Catastrophe Insurance In China

China is a large agricultural country,but at the same time our country is an agricultural catastrophe prone country,especially in the last ten years,China's loss caused by agricultural catastrophe risk has been at a high level,but in the actual operation of the agricultural catastrophe mechanism,due to the lack of agricultural catastrophe insurance system,the government's financial relief and the reconstruction of farmers' disaster recovery play a major role,the agricultural catastrophe insurance play a small role,but the excessive reliance on government relief will bring huge pressure to national finance,and compared with the market,the administrative efficiency of government participation is low,and rely solely on the government is not ideal.With the mature of our country insurance market and the government policy supporting,construction of agricultural catastrophe insurance system has become the trend,but at represent the domestic research of agricultural catastrophe insurance system is quite scattered.This article describes the theory of agricultural catastrophe insurance at first,and then It describes the development process of China's agricultural catastrophe insurance by dividing it into three stages,what is more,the status is analyzed,and then the four countries of United States,Spain,Japan,Germany whose agricultural catastrophe insurance operating more successful are analyzed,Then the article summarizes the experience of those countries into the foothold,the core point,key point,security point,the focal point.At last combining the experience of these countries with China's national conditions,the article put forward development strategy on the five points of the acceleration of China's agricultural catastrophe insurance legislation.choosing the suitable pattern for China's agricultural catastrophe insurance development,the government play cultivate diversified market subjects the function,construction of agricultural catastrophe insurance risk diversification mechanism,strengthen our prevention system construction.