Investigation Report On Policy Planting Insurance In Heilongjiang Province

Agriculture is the lifeblood of a country and an important part of the stable development of the national economy.Planting industry is an inseparable part of agriculture.The smooth development of planting industry is related to the national food security and the safety of the whole society.Heilongjiang province is a major agricultural province in China and an important national commodity grain base.Its cultivated land area accounts for about 10% of the country,and its per capita cultivated land area is three times the national per capita cultivated land area.It is an important pillar for the stable development of the national economy.The agricultural production activities in Heilongjiang province are affected by many natural disasters,adjustment of grain purchase and storage policies,and competition of domestic and foreign agricultural product markets,which restrict the production and operation of grain crops.Crop insurance can guarantee farmers’ crop production and operation risks.Large land area and natural disasters in Heilongjiang province does not stimulate farmers to crop insurance purchasing desire,speculative psychology,farmers since the insurance cost is too high,low reparations amount,agricultural insurance propaganda does not reach the designated position,financial subsidies implementation does not reach the designated position,the risk of moral hazard and adverse selection,such as make policy insurance in planting industry is facing all sorts of problems.In order to ensure the safe production of national grain,maintain the stable agricultural income of farmers,and promote the healthy and sustainable development of policy-based crop insurance in Heilongjiang province.Because the agricultural production areas in Heilongjiang province are divided into reclamation areas and local cities and counties,the reclamation areas have formed a characteristic agricultural insurance security system,and basically realized the full coverage of insurance.Therefore,based on the analysis of the development of crop insurance in Heilongjiang province and on the basis of the status,through the questionnaire of peasant households,the Heilongjiang province cultivated land area of the provincial total of 13 counties and cities where three-quarters of the farmers planting insurance questionnaire,the questionnaire results by using cross analysis what arethe reasons affecting farmers buy crop insurance.By visiting and investigating the insurance operation institutions of planting industry,the paper finds out what obstacles exist in the process of developing insurance of planting industry.Combined with statistical analysis of the data,existing problems were found out: farmers’ planting insurance coverage rate was low,their understanding degree was low,their awareness of risk guarantee of planting insurance was poor,insurance products of local cities and counties,the degree of guarantee,policy support was low,moral hazard and adverse selection were serious problems;The construction of technical means and talent team is backward.Finally,according to the problems obtained from the investigation and combined with the theoretical data,the corresponding countermeasures and Suggestions are put forward:insurance companies should correctly guide the publicity work;To strengthen the training of farmers’ insurance knowledge;Appropriately increase the amount of insurance and implement differential rates;Encourage crop insurance product innovation;Adjust the way of subsidy and implement different proportion subsidy;Establish information disclosure platform and strengthen internal supervision;We will strengthen the training of high-tech personnel and crop insurance professionals.It is expected to provide reference for the further development of policy-based crop insurance in Heilongjiang province.