Study On The Problems And The Countermeasures Of Policy-oriented Agricultural Insurance Management In Jieshou City

Steady agricultural development is the foundation of a prosperous country,and a necessary condition to shrink the wealth gap between rural and urban areas and improve farmers’ income.According to the reports of the 19th National Congress of CPC,the "Three Rural" issue is the fundamental issue related to national economy and people’s livelihood.It is necessary to prioritize the solution of the "Three Rural" issue among other priorities of the Party.However,natural disasters have been occurring in China frequently,causing great loss on agricultural production every year,and threatening the livelihood of farmers.As a policy instrument that can effectively diversify risks and support agricultural development,agricultural insurance plays an important role in stabilizing farmers’ income and ensuring livelihood etc.The agricultural insurance business has seen rapid development ever since policy-oriented agricultural insurance pilot began in Jieshou in 2008.Meanwhile,certain issues exist in how agricultural insurance is implemented.How to enable agricultural insurance to better serve the agricultural production,improve farmers’ income and maintain social justice and stability of Jieshou is the research purpose of the topic.Hopefully the conclusion of the topic provides theoretical references for how to settle the "Three Rural" dilemma in Jieshou.In consideration of the above,this paper studies the city of Jieshou,and interviewed policy holders of policy-oriented agriculture insurance in Jieshou based on the review of a large number of Chinese and foreign management theories and theoretical literature of agriculture insurance,and a field survey of relevant departments in charge of agriculture insurance of Jieshou is conducted.Documents related to the policies of agriculture insurance and relevant governmental statistics are reviewed.The status of how the agriculture insurance runs in Jieshou is explored.The problems emerged in the implementation of agriculture insurance in Jieshou are concluded.The research shows that the following issues are what mainly exist in Jieshou’s government in terms of the management of agriculture insurance:First,the lack of professional management team in the government;second,insufficient financial support;third,how the government manages agriculture insurance can be better targeted and flexible;fourth,the market competition mechanism and market exit mechanism of agriculture insurance are incomplete;fifth,imperfect governing laws;and sixth,insufficient government provision of economic and public services for agriculture insurance.These issues should be addressed through the following approaches:Greater focus on the training of compound management talents in the government;perfecting Jieshou’s policies and laws on agriculture insurance,enhancing the propaganda of the policies of agriculture insurance,and management of agriculture insurance;innovation of the financial support for agriculture insurance.The policies of agriculture insurance can be effectively combined with the settlement of the "Three Rural"issue by perfecting the management system of the polices of agriculture insurance,so that the role of agriculture insurance can be maximized in terms of targeted poverty alleviation,narrowing rural-urban wealth gap,and ensuring livelihood,making its contribution to the efforts of building a moderately well-off society in an all-round way in Jieshou.