Research On The Agricultural Insurance Development In Jilin Province

Jilin Province is a big agricultural province.In recent years,natural disasters have occurred frequently.Agriculture in Jilin Province faces the dual threats of market and natural risks.The development of agriculture and rural economy urgently needs agricultural insurance as support and protection.Agricultural insurance in China and Jilin Province is still in the exploratory stage and needs more mature agricultural insurance system and experience from abroad.Therefore,in-depth study of foreign and provincial advanced agricultural insurance policies and systems,learn from their successful experience,improve China's agricultural insurance system,at the same time study the development direction and mode of agricultural insurance in Jilin Province,analyze the shortcomings of agricultural insurance in Jilin Province,and put forward countermeasures and suggestions for the development of agricultural insurance in Jilin Province.As an important supporting policy for agriculture,rural areas and farmers,agricultural insurance is of great significance in preventing agricultural insurance risks,reducing agricultural disaster losses,ensuring national food security,maintaining rural economic and social harmony and stability,promoting the development of agricultural insurance,changing the traditional concept of agricultural insurance development,increasing structural reforms on the supply side and increasing farmers' income.Based on a brief introduction of the current situation of agricultural insurance development at home and abroad,this paper analyzes the restrictive factors of agricultural insurance development in Jilin Province and puts forward feasible suggestions to promote the development of agricultural insurance in Jilin Province and enhance insurance competitiveness.This paper interprets agricultural insurance through literature analysis,studies the development of agricultural insurance in China and Jilin Province by investigation and analysis,and finally compares the deficiencies of advanced agricultural insurance development in Jilin Province and domestic and foreign countries by comparative analysis,and puts forward opinions and suggestions.Text research ideas are as follows:First of all,this paper defines the basic concepts of agricultural insurance and policy insurance,the classification and characteristics of agricultural insurance,and the theoretical basis of agricultural insurance using quasi-public goods theory,agricultural welfare theory and agricultural special risk theory,which lays the foundation for this paper.Secondly,on the basis of expounding the development of agricultural insurance in China,the paper systematically explains the development process and current situation of agricultural insurance in Jilin Province,and deeply analyzes the restrictive factors of agricultural insurance development in Jilin Province.At present,there are some problems in the development of agricultural insurance in Jilin province,such as the lack of special legislation on agricultural insurance,the difficulty in surveying and determining losses,the insufficient financial subsidies for agricultural insurance,the lack of a disaster risk prevention mechanism,the lack of full coverage of agricultural insurance,the lack of innovation awareness of agencies and the lack of farmers' willingness to take out insurance.Third,review the characteristics of agricultural insurance development in developed countries such as the United States,Western European countries,Japan,Heilongjiang Province,Zhejiang Province and other areas with good domestic agricultural insurance development,and sum up their development experience and enlightenment.Experience include:First,formulate sound laws and regulations to regulate the development of agricultural insurance.Second,the state provides strong financial support.Third,agricultural insurance agencies specializing in agricultural insurance business shall participate in agricultural insurance.Fourth,major natural disasters have remedial mechanisms and policy measures.First,formulate special agricultural insurance laws and regulations,and issue special agricultural insurance laws and policies,providing legal basis for the government to carry out agricultural insurance.The second is to increase financial support.Financial support The main finance provides subsidies for agricultural insurance premiums and supports all parties in the operation of agricultural insurance.Third,the government implements preferential tax policies for agricultural insurance departments and guarantees them according to law.The fourth is to establish a decentralized mechanism for disaster insurance.In the event of a disaster,risk management agencies at all levels shall pay according to the agreed proportion,mobilize the enthusiasm of risk management departments at all levels,and at the same time reduce moral hazard and adverse selection.Finally,according to the actual development of agricultural insurance in Jilin Province and drawing lessons from the development experience at home and abroad,this paper puts forward some countermeasures and suggestions to improve the rules and regulations of agricultural insurance departments in Jilin Province,increase financial support at the provincial and county levels,establish and improve the agricultural insurance catastrophe risk system,establish and improve the agricultural insurance market mechanism,enhance the ability to resist catastrophe risk,steadily expand the coverage of agricultural insurance,carry out agricultural insurance innovation,establish the agricultural insurance assessment system in Jilin Province,improve the service ability of insurance institutions and promote the development of agricultural insurance in Jilin Province.