The Research On The Development Difficulties And Resolutions Of Policy Agricultural Insurance In Hainan Province

China is a large agricultural country with a large population,and the per capita cultivated land accounts for about 1/3 of the world's per capita cultivated land area.Therefore,it requires higher stability of agricultural production.The agricultural production is particular,and the product has a big variety.The growing process is complex,the geographical environment,factors such as climatic environment,human influence,can influence output.Agricultural production is also vulnerable to natural disasters,such as typhoons,pests and diseases.All of these factors lead to a high degree of instability in agricultural production,and because farmers do not have a high income,and do not have a lot of knowledge,when facing the unstable results,they could be lack of the ability to reproduce.Therefore,it is of great significance for agricultural insurance to scatter the risks,to ensure the basic income of farmers,to accelerate the post disaster reproduction,to stabilize the supply of agricultural products and to reduce the price fluctuations of agricultural goods.The characteristics of agricultural insurance itself determine that it is difficult to supply if we rely solely on the market itself,and the support of the government plays an important role in the development of agricultural insurance.China's agricultural insurance started late,it lacks experience and the government's policy for agricultural insurance and methods still need to be improved.In recent years,our province has developed a series of policy to ensure that the construction of agricultural insurance system is carried out smoothly.We have carried out measures such as increasing government subsidies,establishing reinsurance mechanism,to reduce farmers,insurance companies and government's burden.These measures have made a good achievement.However,the agricultural insurance in Hainan province is not perfect.Finding a suitable pattern of the agricultural insurance for Hainan,making necessary adjustments,are the keys to the construction of agricultural insurance system in our province.In this paper,the author analyzes the externality and the other characteristics of agricultural insurance,explains the reasons for the failure of the agricultural insurance market,and proves the necessity of government subsidies.This paper analyzes the difference between agricultural insurance and policy agricultural insurance,and explores the characteristics of policy agricultural insurance.By analyzing the necessity of financial subsidies,it is able to explain why it is difficult to supply agricultural insurance all by the market.In recent years,the agricultural insurance in Hainan has made a great progress,this paper introduces in detail the practice of Hainan agricultural insurance,and the great achievements made in recent years.At the same time,it also points out that the agricultural insurance system in Hainan province is still imperfect.Based on the domestic and international experience,this paper analyzes the development process and operation mode of agricultural insurance in six countries and regions.By analyzing the weakness of the development of agricultural insurance in Hainan province,the author puts forward some suggestions and countermeasures to improve the agricultural insurance system.In the end,the paper summarizes the full text and looks forward to the development of agricultural insurance in Hainan province.