Research On Policy Agricultural Insurance Subsidy Of Hezuo

Agricultural insurance is one of the green box policies to support agricultural development.More and more countries recognize the positive impact of agricultural insurance on agricultural income,farmers' happiness index and even rural development.Based on the theory of market failure and public goods,this paper analyses the motivation of policy-based agricultural insurance subsidy and the Optimal Subsidy scale model of policy-based agricultural insurance according to the actual situation of cooperative city.At the same time,several typical examples of pilot operation of policy-based agricultural insurance are compared and analyzed,which provides a reasonable way for the system innovation of financial subsidy in policy-based agricultural insurance.Policy recommendations.The first part of the paper elaborates the relevant concepts and theoretical analysis of policy-based agricultural insurance subsidies,focusing on the theoretical basis of agricultural risks and agricultural insurance,policy-based agricultural insurance and policy-based agricultural insurance subsidies.The second part analyses the subsidies mode and current situation of policy-based agricultural insurance in China.After years of development,the scale of insurance premiums and agricultural insurance claims has increased significantly.The third part mainly studies the current situation of policy-based agricultural insurance subsidies in cooperative municipalities from the aspects of the development process of policy-based agricultural insurance in cooperative municipalities,agricultural insurance subsidy model,policy-based agricultural insurance types and the proportion of premiums assumed,and through investigation and interviews to cooperative municipalities' policy-based agricultural insurance.The effect of financial subsidy of insurance on compensation of planting agricultural insurance and farming agricultural insurance was analyzed.The fourth part analyses and studies the problems existing in the process of cooperative municipality's policy-oriented agricultural insurance subsidy and the reasons.First,the absence of government legislation and risk-dispersing mechanism,and the restrictions of insurance companies and farmers.The fifth part puts forward the countermeasures and suggestions to promote the development of cooperative municipality's policy-oriented agricultural insurance.Farmers' awareness of agricultural insurance should be innovated to meet farmers' demand for agricultural insurance.Thirdly,financial subsidies should be increased to reduce the cost of insurance companies and farmers.Fourthly,agricultural insurance professionals should be trained to make up for the shortage of professional agricultural insurance professionals.Fifthly,relevant laws and regulations should be improved for a long time.Sixthly,disaster reserve system should be established and agriculture should be improved.The suggestions for agricultural insurance institutions are as follows:firstly,to increase agricultural insurance products and improve the agricultural insurance product system;secondly,to reduce the insurance premium rate and improve the claim standard;thirdly,to attach great importance to employee skills and improve the agricultural insurance service system.