The Hydrological Index Insurance Of Crabs Operational Mechanism And Effect Evaluation

The Party's Nineteenth Congress report for the first time proposed a strategy for rural revitalization,in which industrial prosperity is a core part of implementing the strategy of rural revitalization.In 2018,the "Central No.1 Document" proposed that "accelerating the establishment of a multi-level agricultural insurance system",it can be seen that China's agricultural insurance Usher in a new development opportunity.However,agriculture is not only affected by natural risks,but also bears market risks.Therefore,our government is committed to implementing agricultural support policies and agricultural insurance policies to decentralize and manage risks.As the province with leading agricultural insurance development,Jiangsu Province successfully explored and implemented the Jiangsu agricultural insurance operation model of "jointly co-sponsored insurance," namely,the model of "government+insurance companies co-sponsoring joint protection".However,for different types of insurance targets,their risk forms are different;in the process of implementation of agricultural insurance,there are difficulties in survey and damage,and the technical personnel of insurance companies have introduced weather index insurance.Like the index insurance,the combination of meteorological historical data and the output and profit and loss of agricultural products form an index of the degree of loss of agricultural products.The standardized product design not only reduces the links of survey and damage,but also facilitates risk distribution and reinsurance arrangements.The operating effect is related to the objective level of the actual operation of the insurance product,affecting the enthusiasm of the farmers to participate in the insurance,and at the same time affecting the insurance company's optimal design of insurance products.As a new type of product with Jiangsu characteristics,Inner Tang Crab Hydrology Index Insurance is innovative in both the establishment of hydrological index and risk management models,but there are still problems such as differences in demand and low level of protection brought about by farmers' differentiation.In addition,based on a large number of survey data of rural households in China,there are relatively few literatures that specifically study the impacts of farmers on agricultural operation effectiveness and related factors of impact assessment.In this context,this article discusses the current farmers' evaluation of the operating mechanism and operational effectiveness of the crab hydrological index insurance in Inner Pond,and the influencing factors.The main research objectives are threefold:First,what are the current problems in the operation of the weather index insurance?Evaluation of the operation effect of different types of farmers?Secondly,what are the factors that affect the evaluation of the operation of rural households and the degree of impact?Third,how to improve and improve the results of the operation evaluation and the factors affecting the effectiveness of insurance operations.The main contents of the thesis include the following aspects:First,the research background and research significance of agricultural insurance are explained,and the literature on agricultural insurance,especially the effect of weather index insurance operation,is combed at home and abroad,and the current "Unified Joint Guarantee" mode is analyzed.Operating mechanism.Secondly,using the analytic hierarchy process to analyze the effect evaluation of different types of farmer households and construct an influencing factor model of the farmer's operation effect evaluation to verify the influence of different factors on the operation effect.Finally,based on the empirical conclusions,it provides reference suggestions for policy-based weather index insurance in Jiangsu Province.The main conclusions of the thesis are as follows:(1)The Inner hydrological index of crabs insurance operating mechanism is relatively complete,but there is still room for proper reform in different regions.(2)The farmer households have a good performance evaluation,and the small farmer evaluation is better than the new agricultural management entity.The average value of the comprehensive evaluation of small farmer crabs in Inner Pond was higher than that of the new type of agricultural operations,and all exceeded the general level expectations.The main reason was that the new agricultural business subjects were lower than the traditional small farmers in the scope of protection and disaster response.(3)Network distance,natural disasters,and high-temperature disasters have a significant impact on the evaluation of operational performance.The distance between outlets affects the insurance agency's service level for Inner Creek crab hydrological index insurance.Frequent natural disasters and hot weather are factors that cannot be ignored in the crab breeding process.