The Perfection Of The System Of Financial Subsidy For Agricultural Insurance

With the development of agriculture and the change of natural conditions,the agricultural insurance system came into being.At the beginning of the development of the system,we must always face the issue of the choice of the road.In the process of pilot exploration,our country is gradually onto the right track.Similar to other developed countries,our government has begun to intervene in the field of agricultural insurance and has begun to provide financial subsidies for agricultural insurance.With the development of financial subsidy policy of the agricultural insurance,the agricultural insurance market has became increasingly active,farmers' losses have been compensated for,and the agricultural production sector has made significant progress.However,at the same time,many problems have arisen in the trial implementation of financial subsidy policy of the agricultural insurance.For example,the government's insurance subsidy for farmers is too high;the insurance companies lack independence;the use of subsidy funds is inefficient;the information got by the companies and the farmers is inconsistent.These problems are all problems in the economic field during the operation of the system.The author tried to solve the agricultural insurance legally by actively seeking a reasonable and effective solution in the existing legal system,and ultimately figured out the ways of using the legislative retention for administrative benefits,economic incentives in administrative law,and the establishment of relevant subject punishment mechanisms,in order to solve the related issues of the fiscal policy in the economic field.The article introduced the relevant theoretical knowledge of agricultural insurance,clarified the importance of policy-based agricultural insurance for the development of agricultural insurance,elaborated the relationship between the agricultural insurance and the financial subsidies,and introduced the relevant forms of financial subsidies for agricultural insurance in China.The article focuses on the status of financial subsidies for agricultural insurance in China.It mainly analyzes the implementation of pilot projects in some important regions,explained the development of agricultural insurance in Shanghai,Jilin Province,Nei Menggu,Anhui Province,Hei Longjiang Province and Xinjiang Province in detail inChina,analyzed the pattern of agricultural insurance system in the above regions and conducted relevant data interpretation.The article provides detailed data on the status of the development of the agricultural insurance,summarized the development trend of agricultural insurance in China in recent years and the outstanding issues in the operation of the system.In the survey,the on-the-spot investigation has made it more clear that China's agricultural insurance financial subsidies are realistic.summarized relevant factors that may affect the survey results.In the analysis of the section of the foreign experience,it analysis the policy of agricultural insurance of financial Subsidy in the United States,Japan and France.America's entrusted agency model,two-way subsidy mechanism and the perfect reinsurance measures are worth learning.The successful experience of Japan's legal precedent,mutual insurance,and the establishment of an independent regulatory agency provides a good reference sample for China.The French government's endorsement solved the chaos of the agricultural insurance market.The paper summarized relevant excellent implementation methods and policies that can be used for reference.At last,the article implemented into legal issues,described the economic incentives and the legal preservation,gave some examples of the disputes on the related issues of the theoretical field.In terms of administrative benefits,it should take legal reservations,use of the system of financial subsidies for agricultural insurance fully;Using the economic induction,the government is involved in adjusting the micro-subjects of farmers and insurance companies,use interest adjustment methods,activate the micro market activity;The government should establish a punishment mechanism for related entities.China still lacks relevant disciplinary system in agricultural insurance financial subsidy.The formation of a restraint mechanism for related entities has greatly promoted the standardization of the institutional operations.The paper first elaborated the economic issues,then it tried to solve the practical problems in the field of agricultural insurance financial subsidies from the legal point of view.It can provide corresponding theoretical references and practical measures for the standardization of the system of the entire financial subsidy of the agricultural insurance.