Study On The Legal System Of Agricultural Insurance Supervison In China

The agriculture insurance regulation is a guarantee that the moderate development of agriculture insurance and market.Looking at the world and putting agricultural insurance supervision in the first place to protect and promote the development of agricultural insurance.Focusing on the inside of the country,the start time of China's agricultural insurance is still relatively early,but the development progress is relatively slow,no matter whether it is the agricultural insurance market or the scale of various agricultural insurance operators and intermediaries,the scale has not developed.It seems that the need for special supervision of agricultural insurance is not very strong.However,along with the rapid development of national agricultural insurance in various places,the rapid expansion of coverage,and the deepening of service depth,it is necessary to establish laws and regulations related to agricultural insurance supervision that meet the needs of development.The supervision of agricultural insurance refers to the supervision and control of the agricultural insurance industry.It is the behavior of the domestic government,various types of agricultural insurance operating organizations,and insuring farmers.According to the relevant domestic agricultural insurance supervision laws,the national agricultural insurance regulatory agencies in accordance with the law.The sum of supervision and management.The comparative study found that there is a big difference between the supervision of agricultural insurance and the supervision of commercial insurance.It has different performances in setting supervision objectives,organizing regulatory institutions,and clearly defining the object of supervision and content.Therefore,it must be applied to agricultural insurance and commercial insurance supervision.specification.At present,under the current situation of the rapid development of China's agricultural insurance,some regions and certain companies have also experienced violations of laws and regulations that have not been strictly enforced according to regulations,illegally defrauding state financial subsidies,and operating risks have been expanded.The market order was destroyed,the industry reputation had a negative impact,and the legitimate rights and interests of the insured farmers were violated.These problems indicate that China's agricultural insurance supervision has no corresponding laws and regulations as the basis,which is due to the fact that China's practice of agricultural insurance is still weak.Most local governments do not recognize the positive role of agricultural insurance.Summarizing the useful experience and failure lessons of the mature agricultural insurance legal supervision system in various developed countries,we can conclude that China must continuously promote the construction of agricultural insurance regulatory framework with Chinese characteristics,set up a special independent regulatory authority,improve the regulatory targets and content,and It is necessary to successively formulate and improve the laws and regulations governing agricultural insurance,so that there is sufficient legal basis for agricultural insurance supervision.The agricultural insurance supervision legal system with Chinese characteristics should start from the following three aspects: establish and improve the agricultural insurance supervision legal system,accurately locate the agricultural insurance supervision target,and determine the agricultural insurance supervision object and content.