The Study On Agricultural Insurance Development In Yulin City

Yuling is an important agricultural base,occupy an important position in the development of agriculture in the local economy,therefore,whether based on local practice,building its productive agricultural systems economic and social development of the city,and successfully accomplish this task is of great strategic significance for poverty eradication.After nearly a year of development,especially in 2011,development,Yulin City,Guangxi,gradually forming a unique business model in agricultural insurance,Xianzhong scale,density depth,financial support,and has achieved steady growth for a long time,but still difficult to meet the current demand for agricultural development.The main problem is(1)agricultural insurance lacks legal security,(2)smaller overall size of the market and(3)low levels of protection,(4)lack of effective risk management,and so on.There are many reasons for this type of problem,mainly reflected in:(1)it is difficult to meet the needs of insurance companies profit and(2)existing technology development is lagging behind(3)agricultural insurance rates farmers' needs and(4)financial support needs to be enhanced and(5)compound talent gaps in agricultural insurance.To solve the above problems and causes,based on the more developed agricultural insurance of the United States,Japan and analysis method for objects of foreign agricultural insurance business model is analyzed,summarized in perfecting policies and laws,enhanced subsidies were helping,building a risk diversification systems give China's revelation.On this basis,proposed countermeasures to promote sustainable,agriculture insurance,s.(1)to through advance agricultural insurance community mode construction,and vigorously development mutual business agricultural insurance,way development variety agricultural insurance business mode;(2)to from strengthened financial helping,reduced operation cost;innovation agricultural insurance technology,resolve business difficult;focused on talent for first,speed up talent team construction,aspects improve s city insurance business institutions on agricultural insurance of supply capacity;(3)to through upgrade premium subsidies,and voluntary insured and forced insured phase combined,way upgrade farmers on agricultural insurance of needs;(4)Through the development of agriculture insurance intermediary,accelerating the construction of agricultural insurance system and other initiatives to improve agricultural insurance market system.To solve the above problems and causes,with the more developed agricultural insurance of the United States,Japan and analysis method for objects of foreign agricultural insurance business model is analyzed,summarized in perfecting policies and laws,enhanced subsidies were helping,building a risk diversification systems give China's revelation.On this basis,proposed countermeasures to promote sustainable,agriculture insurances.A is to through advance agricultural insurance community mode construction,and vigorously development mutual business agricultural insurance,way development variety agricultural insurance business mode;II is to from strengthened financial helping,reduced operation cost;innovation agricultural insurance technology,resolve business difficult;focused on talent for first,speed up talent team construction,aspects improve s city insurance business institutions on agricultural insurance of supply capacity;three is to through upgrade premium subsidies,and voluntary insured and forced insured phase combined,way upgrade farmers on agricultural insurance of needs;Four through the development of agriculture insurance intermediary,accelerating the construction of agricultural insurance system and other initiatives to improve agricultural insurance market system.Agricultural insurance is systems engineering,in order to ensure the sustainable development of agricultural insurance,you must focus on the agricultural insurance market,services in agriculture,service is more in the process from the perspective of farmers' needs.Only in this way,the agricultural insurance business sustainable,stable and long-term development.