The Study On Policy-based Agricultural Insurance Development Problems In Anhui Province

Agricultural insurance as a modern agriculture to deal with the risk of an effective measure in the agricultural and rural economic development has played a pivotal role.Anhui Province as a large agricultural province,in the stability of national food security and adjustment of agricultural industry structure in an irreplaceable position.Since 2008,was formally incorporated into the central policy of agricultural insurance financial subsidies pilot area since the same year in January the formation of professional agricultural insurance-Guo Yuan Agricultural Insurance Company Limited,with the strong support of the policy,Anhui Province,agricultural insurance ushered in the development of spring.This paper first selects the United States,Japan,Shanghai,Zhejiang as a typical model of policy agricultural insurance development area,summed up the further development of China's agricultural insurance experience.Any success of the success of the model is not accidental,the development of agricultural insurance business should also be local conditions,according to the regional agricultural economic development of a reasonable division of risk areas,scientific development of insurance rates,rather than blindly copied.Secondly,through the analysis of development of policy agricultural insurance in Anhui Province,the income of Anhui agricultural insurance premium has been increasing rapidly since 2007,the pilot area has been expanding and the insurance insurance has been increasing.At the same time,Proportion,insurance liability,insurance amount,etc.have been optimized.At the same time,Compared with other provinces and cities from three aspects,found that although the scale of premiums increased year by year,but the density and depth of agricultural insurance is not high,far below the national average.In the degree of insurance protection,Anhui Province,the main agricultural insurance set the amount of insurance is generally less than Beijing,Shanghai,Zhejiang three,the insurance rate is generally higher than the overall.In the proportion of government subsidies,Anhui Province,the support of agricultural insurance is greater,compared with Beijing,Shanghai,Zhejiang,Anhui Province,the main insurance insurance did not implement differentiated subsidies.Thirdly,the empirical study on the subsidy efficiency of agricultural insurance premiums in 16 cities in Anhui Province in 2015 shows that the financial subsidies of Huainan City,Ma'anshan City and Huangshan City in 2015 will reach the effective state.The reason why the efficiency of the other 13 city premium subsidies is not maximized is that the scale is invalid,especially for the major producing areas of Bozhou,Suzhou,Chuzhou and Fuyang four cities,the scale efficiency value is low,indicating excess subsidies,funds have not been fully utilized.Finally,this paper puts forward four suggestions on how to divide the agricultural risk area scientifically,implement the subsidy policy of premium,increase the effective demand of agricultural insurance and gradually improve the diversification of agricultural catastrophe risk,so as to promote the development of policy-based agricultural insurance in Anhui Province.