Study On The Subsidy System Of Agricultural Insurance In China

As a global agricultural country,China has a population of 47%of the total population of the country.From 2004 to the present,from the "Eleventh Five-Year" to"13th Five-Year Plan" period,China's "two sessions" hot topic and the Central No.1 document,repeatedly referred to the policy support for agricultural insurance subsidies,and by focusing on agriculture Problem,reflects the government's emphasis on agricultural development.In recent years,in the continuous advancement of the government,China's agricultural insurance policy and agricultural insurance subsidy system,made great progress,to promote the development of China's agricultural modernization and increase farmers' income has made some promotion effect.However,due to the sudden and unpredictable nature of natural disasters,relative to other economic production and management activities,the development of agricultural economic development is more fragile,leading to the high cost of agricultural insurance supply,and further reduce the supply of the main business of agricultural insurance business initiative The At the same time,by the agricultural insurance supply and demand between the main information asymmetry,farmers willing to participate in insurance is not strong enough,there is a relative lack of insurance needs.The analysis shows that the supply and demand of agricultural insurance has seriously hindered the sustainable and healthy development of China's agricultural insurance market.The root cause is that China's agricultural insurance subsidy system,but also need to further improve.According to the EU.Japan and the United States and other countries to develop the empirical mode of agricultural insurance,the government gives farmers and insurance companies the necessary policy support and financial subsidies,the government has given agricultural insurance supply and demand both the necessary policy support and financial subsidies.In addition,more and more relevant research and the practice of local pilot areas,indicating that the development of agricultural insurance market and the implementation of agricultural insurance subsidy policy there is a close internal relationship between,which is in recent years the industry around how to develop China's agricultural insurance market A highlight of the research hotspot.Compared with the successful experience of foreign countries,we can find that there are still some gaps in the subsidy system,the legislative problem and the regional and performance of the agricultural insurance subsidy system.Based on the theories of welfare economics,market failure theory,information asymmetry theory and nonuniformity theory,this paper analyzes the agricultural insurance market of Shandong Province through case analysis,literature analysis and comparative analysis.As an example,in-depth discussion of China's agricultural insurance subsidy system problems and causes.By drawing lessons from the successful experiences of the relevant agricultural insurance subsidy policies in developed countries and combining with the characteristics of China 's agricultural insurance market,this paper puts forward the perfection strategy and related suggestions of China's agricultural insurance subsidy policy.The results show that although China has continuously raised the subsidy cost of agricultural insurance in recent years,it is still necessary to adjust and intensify policy efforts in promoting agricultural development and the implementation of relevant policies.China's agricultural insurance subsidy system is mainly focused on the following aspects:First,the agricultural insurance insurance subsidies are more single;Second,the specific form of agricultural insurance subsidies only for premium subsidies,as well as the main agricultural insurance supply tax relief.Third,the majority of the provinces of agricultural insurance subsidy policy,its coverage is still limited,many economic implementation of the region due to limited financial resources,making the agricultural insurance subsidy funds is difficult to place;Fourth,the agricultural insurance subsidy,For agricultural households,the agricultural insurance subsidy policy propaganda is not enough,to a certain extent,inhibited the effective demand of farmers;Fifth,the agricultural insurance subsidy policy and other countries are closely related to agricultural policies.In this context,this paper puts forward four major countermeasures,perfect China's agricultural insurance subsidy system,that is,to speed up the agricultural insurance subsidy policy legislative process,the establishment of agricultural insurance subsidies related government agencies,to build a multi-level agricultural insurance subsidy system,and based on agricultural development Rationalization of the subsidy policy,hoping to solve the current shortage of China's agricultural insurance subsidy system to promote China's agriculture in the new economic background of the modern and sustainable development.