The Development Research Of Agricultural Small Loan Guarantee Insurance

Agricultural microloan guarantee insurance is both guarantee insurance and agricultural insurance.As a guarantee insurance,this kind of insurance also has other guarantee insurance characteristics.First,because the insured and the policyholder are different,resulting in a bargaining relationship between the two,will eventually share a certain proportion of premiums.Secondly,the fraud cost of the policyholder is very low and the tendency of fraud is high,but the optimal choice of the insurer is not to eliminate the fraud of the policyholder completely.As a kind of agricultural insurance,it is also affected by the rural financial market.The development of the insurance is at the pilot stage in our country.Provincial and municipal governments have implemented pilot projects,but the relevant policy documents vary,and strict provisions have been made on premium rates,market access and loss-bearing ratios.This leads to the insurer can only let the branches of each branch in the field,can not conduct nationwide overall management.The strict restriction of the relevant regulations leads to the problem of less operating subjects and higher premium rates.In addition,because of unreasonable internal division standards,the insurer increased the operating and management costs of the insurance.The first is the wide distribution of places of residence of insured persons,the usual financial institutions operating departments can not fully cover.Secondly,the relevant information of the policyholder is almost identical with the information needed for the operation of the agricultural insurance,and is in the agricultural insurance department rather than the credit insurance department.Rural primary service network resources,farmers 'information are in the hands of the insurance companies in the agricultural insurance sector,may consider the same under the agricultural insurance sector management,promote the transformation of the agricultural insurance sector.On the basis of the analysis of the risk,this paper puts forward the following Suggestions for the development of this dangerous species in China.The first is advice on government regulation.It is hoped that the government can gradually relax the regulation and reduce the restriction on the risk,which can promote the market competition,and lead the insurer to provide better service.It is hoped that the government can promote the expansion of the scope of the pilot program so that the insurer can carry out operation and risk management arrangements nationwide to achieve economies of scale.It is hoped that the government can provide reinsurance arrangements and catastrophe risk preparation for the risk,which indicates that the commercial reinsurer is not suitable to provide reinsurance service.The second is the advice to the insurer.The insurer should explore the commercial way of operation and avoid any confusion when the market opens up in the future.From traditional product sector reform in the department of agriculture insurance for farmers to provide a full range of insurance products business department at the same time,the plant characterized the agriculture risk department management,to concentrate advantage seeks the development,cooperative farmers means health risks for farmers and personal security.Of course,we should also consider risk management,attach importance to reinsurance and coinsurance arrangement,and maintain the stability of operation.