Research On The Current Situation,Problems And Countermeasures Of Policy-oriented Agricultural Insurance In Ningbo

Policy-based agricultural insurance is an important means to stabilize agricultural production,which plays an important role in avoiding agricultural production risks and improving agricultural production.Since the formal launch of China's pilot agricultural insurance policy,the pilot coverage has expanded from four provinces and autonomous regions,including Jiangsu,Sichuan,Liaoning and Xinjiang,to all provinces,autonomous regions and municipalities directly under the central government.Insurance varieties from major food crops to agricultural,forest,animal husbandry,vice,fisheries in all aspects.First of all,this paper defines the concept of agricultural insurance and policy agriculture insurance.By reviewing a large number of basic theoretical literatures,the basic theory of policy-oriented agricultural insurance has been sorted out.The status of development of policy-oriented agricultural insurance in Ningbo is introduced in detail,The study of the theory and practice of agricultural insurance in the new policy environment will provide important theoretical references for the smooth development of agricultural insurance in Ningbo and the solution of the problems of agriculture,rural areas and farmers in Ningbo.Second,through the access to the relevant government departments of statistical data,questionnaires,case studies and interviews and other methods,the policy of agricultural insurance in Ningbo City has been studied.According to the statistical annual report of the Ningbo Agriculture Bureau and the Commerce Committee in 2015,the paper summarizes the payment of policy-related agricultural insurance premiums,the business model,the amount of insurance coverage,the rate of subsidy of financial insurance premiums and the farmer's purchase of agricultural insurance.Thirdly,the implementation of policy-oriented agricultural insurance to meet the needs of farmers in Ningbo to meet the risk of agricultural production to a certain extent.However,the nature of agricultural insurance itself,it is a policy of insurance,covering a wide range,but also in the exhibition industry,underwriting,surveying,damage,claims and other aspects of the more complex,with seasonal strong,,Claims lag and so on.In the course of carrying out agricultural insurance,there are still many problems and influencing factors in NingboCity.The long-term effect of strengthening the ability of resisting agricultural risks,stabilizing the income of peasant households and ensuring the yield of crops needs to be further improved.After further analysis,the reason why policy agricultural insurance did not achieve the corresponding results,mainly due to farmers and grass-roots government insured lack of enthusiasm,financial support policy performance is low,disaster risk dispersion mechanism is imperfect,leading to low agricultural insurance,Role is not fully play.Finally,in view of the predicament,this paper puts forward the following countermeasures:(1)to increase publicity to raise the awareness of farmers insured;(2)to strengthen the supervision of agricultural insurance;(3)scientific compensation for damages,an appropriate increase in claims standards;(4)take compulsory insurance to improve the retail insurance's rate;(5)to improve the enthusiasm of the farmers and grass-roots government's participation;(6)to improve the government subsidy policy;(7)improve the disaster risk dispersion mechanism.