Research On The Legal System Of Policy-oriented Agricultural Insurance In China

In order to stabilize agricultural development,the state will provide policy support to the disadvantaged agricultural production.Agricultural insurance plays an important role in preventing and transferring agricultural risks.In order to stabilize agricultural development and compensate for the failure of agricultural insurance market,the state's policy means will intervene in the agricultural insurance market.The government uses the policy-based agricultural insurance as a means of adjustment and uses preferential policies to macro-control and transfer agricultural production risks,thus giving birth to the policy-based agricultural insurance.Read.Unlike commercial agricultural insurance,policy-based agricultural insurance is of high risk,compulsory and public interest.At present,there are some problems in policy-oriented agricultural insurance in China,such as the diversity of subjects to be expanded,the narrow scope of insurance,the excessive premium and the insufficient financial subsidies from the government.At the level of legal system,there are still some problems,such as imperfect legal system,unclear powers and responsibilities of various legal subjects,and inadequate supervision of policy-oriented agricultural insurance.With the help of the beneficial experience of the operation mode of policy-oriented agricultural insurance led by American national professional institutions and the mutual assistance of Japanese institutions at different levels,China should vigorously promote measures such as broadening the diversity of participants,expanding the scope of insurance subject matter,reducing insurance premium rate and increasing financial subsidy investment in policy-oriented agricultural insurance.At the same time,we should not neglect that under the premise of perfecting the legal system of policy-oriented agricultural insurance in China,the state should promote the specific legislation of agricultural insurance,standardize policy-oriented agricultural insurance with specific legal provisions,strengthen the reform legislation of the financial subsidy system and tax preferential policies,improve the relevant supporting laws and regulations of policy-oriented agricultural insurance,and several major agricultural insurance in the existing laws and regulations.The principle of social benefit should be added on the basis of the principle of insurance law.To clarify the powers and responsibilities of the main bodies of the policy-based legal insurance relationship and set up a strong supervisory body,expand the scope of supervision,and coordinate the work of the supervisory bodies in the legal supervision of the policy-based agricultural insurance.