Research On Moral Hazard Of Agricultural Insurance Under The Condition Of Financial Subsidy

As everyone knows,agriculture is an important part of the national economy of each country,the development of modern agriculture,solving the problems of agriculture,rural areas and farmers is always an important topic in the road of sustainable development,building a socialist harmonious society in china.In order to transfer agricultural risks more effectively and reduce the economic losses caused by natural disasters,the Chinese government attaches great importance to the development of agricultural insurance,and has implemented a series of preferential policies such as financial subsidies.However,agricultural insurance has been at a relatively low level in our country.This paper uses game theory and other knowledge to study the problem of moral hazard in agricultural insurance,so as to put forward corresponding preventive measures.Through the analysis of real cases,this paper expounds the possible moral hazard of farmers,insurance companies and government in the process of agricultural insurance management.Farmers are dishonest,insurance companies do not abide by the law,and government abuse of power,these are the main causes of moral hazard.In addition,the article also studies the successful experience of the United States on the prevention of agricultural insurance moral hazard.Finally,according to the actual situation of our country,this paper puts forward the method of preventing moral hazard.It is hoped that through the joint efforts of farmers,insurance companies and the government,the agricultural insurance in our country will be better developed rapidly.