Study On Balanced Optimization Of Participation Interests Of Policy Oriented Agricultural Insurance Participants In Hebei

Based on the theory of synergy,the paper regards the policy-based agricultural insurance system as an open and total system.The total system includes government subsystems,insurance company subsystems,and farmer households.The subjects of each subsystem is—governments、insurance companies and rural households,each participant’s influence on the development level of the policy-based agricultural insurance system through changes in order parameters.Since each participant is pursuing their own interests,ie,the interests of each subjects,it will be difficult to ensure the sustainable development of the policy-based agricultural insurance system.Therefore,this paper introduces the concept of equilibrium in economics,so that each participating subjects can change from pursuing the maximization of each subject’s interest to pursuing the synergy benefit of the policy-based agricultural insurance total system.In this article,it is embodied in the interests of policy-based agricultural insurance participants.The level of equilibrium continues to increase.This article mainly deals with two equilibrium levels,namely static equilibrium level and dynamic equilibrium level.The level of static equilibrium refers to the level of development reached by the total system under the joint action of policy-based agricultural insurance;the dynamic equilibrium level is mainly used to describe the changing trend of the static equilibrium level,such as the static equilibrium at each point in time.The continuous improvement of the level indicates that the level of dynamic equilibrium in this period has been improved.The main contents of this paper as follows: the first,by constructing the model of policy-based agricultural insurance participation subject equilibrium(SAR model),quantitatively analyzes the static equilibrium level of interest of policy-based agricultural insurance participants;the second,describes the changing trend of the level of dynamic equilibrium;the third,the dynamic equilibrium The changes in levels in different periods are the criteria.The practice behaviors of participating participants in policy-oriented agricultural insurance are evaluated during the corresponding period,and lessons are learned for policy-based agricultural insurance participants to continuously improve the level of interest equilibrium.The main conclusion of this paper is that the level of static equilibrium is relatively lower,but the level of dynamic equilibrium continues to increase.The reasons for the lower level of static equilibrium include three aspects: the first,the trigger source of the financial subsidy mechanism is not perfect;the second,the proportion of agricultural risks borne by insurance companies is relatively high;the third,the farmers lack enthusiasm for insurance because of low risk awareness.In order to continuously improve the balance of interest among policy-based agricultural insurance participants,this paper proposes the following three strategies from the government,insurance companies,and farmers:(1)From the government level: improve the financial subsidy system;implement multiple strageties;establish a large database of agricultural disaster losses and public service platforms;(2)From the perspective of insurance companies: design policy-based agricultural insurance contracts rationally;improve the protection of economic crops value.;increase the proportion of compensation payments to the total income of the households appropriately;(3)From the perspective of farmers: increase awareness of agricultural risk;change the understanding of prejudice against insurance gradually.The innovations include three aspects: the first,the application of synergetic theory in the field of agricultural insurance,enriching the research scope of the theory of agricultural insurance;the second,using the concept of equilibrium in economics to carry out the benefits contained in the policy-based agricultural insurance system.Classification the benefits of the participating parties and the overall system provide a clear direction for the study of the benefits of the policy-based agricultural insurance system.The third is to quantify the development level of Hebei’s policy-based agricultural insurance by constructing SAR models.,description of the development level of Hebei’s policy-oriented agricultural insurance.