Study On The Development Of Agriculture Insurance In Jilin Province

Affected by geographical location and global environmental change,natural disasters have caused huge losses to agriculture and economic development in China.According to state statistics,the affected area of crops in China was 18,478.1 thousand hectares,of which 1826.7 million hectares were received,with direct economic losses of 301.87 billion yuan in 2017.As an important means to ensure agricultural development and prevent agricultural disasters,agricultural insurance plays an important role in reducing agricultural losses,building rural financial system,strengthening rural governance and revitalizing rural areas.However,agricultural insurance in China also has the problem of unbalanced development of supply and demand.In the 2018 Central No.1 document,it was clearly stated that the structural reform on the supply side of agriculture should be promoted and the problem of mismatch between supply and demand should be solved.Speed up the construction of agricultural insurance system,rice,wheat,corn three grain crops complete insurance pilot construction.To steadily promote the ‘insurance futures' risk insurance model pilot,and explore the ‘order agricultural insurance futures(right)' to provide assurance for agriculture.Jilin Province,as the main grain producing area of our country,began to explore the road of agricultural insurance in the early time.In view of this,this paper selects Jilin Province,which has advantages in the development of agricul tural insurance,as the research object,taking welfare economics and agricultural protection theory as the research objects.The theory of quasi-public goods is the theoretical basis of the research.Based on the research and summary of agricultural insurance at home and abroad,the course and current situation of agricultural insurance in Jilin Province are analyzed.And separately supply and demand angle analysis Jilin province agriculture insurance development situation.In the aspect of supply,the supply end of agricultural insurance is analyzed in terms of supply mode,supply business and indemnity,and the cognition and satisfaction of farmers' insurance in Jilin Province are measured by questionnaire survey method from the point of view of demand.Under the background of supply-side reform,this paper expounds the opportunities and risks faced by agricultural insurance in Jilin Province,and further points out the problems existing in agricultural insurance: unbalanced development of supply and demand of insurance in agricultural production,imperfect guarantee mechanism of agric ultural insurance,etc.The technical means of agricultural insurance and the construction of talent ranks are lagging behind.On this basis,this paper puts for ward some suggestions for the development of agricultural insurance under the background of supply side: perfecting the comprehensive agricultural risk mana gement system with agricultural insurance as the core,constructing the agricult ural catastrophe risk management system,and optimizing the technical means of agricultural insurance.Cultivate agricultural insurance personnel team.