Research On The Market Of Liability Insurance For Agricultural Product Quality And Safety In China

The quality and safety of agricultural products not only seriously affects the health of our people,but also affects the international competitiveness of our agriculture and the increase of farmers 'income.In order to solve the problem of quality and safety of agricultural products,ensure the international competitiveness of agricultural products and consumers 'immediate interests,and disperse the risks of agricultural product producers,China's Zhejiang and Hainan have carried out the practice of agricultural product quality and safety liability insurance.Quality and safety liability insurance for agricultural products should be used as a market economy means of risk management,an incentive mechanism for the quality and safety of agricultural products and a compensation mechanism for risk losses should be established,and the quality and food safety standards system for agricultural products should be effectively promoted through administrative and market means,so as to ensure the quality and safety of agricultural products at the source.Upholding the interests of consumers will help to enhance the brand reputation of our agricultural products,improve the quality and efficiency of the industry and increase farmers 'production and income.Therefore,it is of great theoretical and practical significance to carry out research on the market of agricultural product quality and safety liability insurance.China's agricultural product quality and safety liability insurance is at the primary stage of exploration and development.This article combed out the actual situation of agricultural product quality and safety liability insurance pilot area and found that although the local areas have achieved certain results,there is still a problem of mismatch between supply and demand in the agricultural product quality and safety liability insurance market,which needs to be solved through government regulations.Based on this situation,this paper studies the factors affecting the equilibrium of the agricultural product quality and safety insurance market.Based on the research of agricultural product quality and safety liability insurance,this paper analyzes the existing insurance pilot situation and combines the attributes of agricultural product quality and safety liability insurance products.This paper analyzes the existing problems in China's agricultural product quality and safety insurance market from two perspectives: supply and demand.The problems of supply are as follows: the development of insurance is difficult and the compensation is complex;There are few insurance institutions and insufficient product innovation;The positive externality of insurance leads to the reduction of effective supply;The basic network system and functions of insurance companies are not perfect.The problems on the demand side are: low awareness of risk and insurance of agricultural producers,low income of agricultural producers and low illegal cost of quality safety of agricultural products.In order to further analyze the problems of the agricultural product quality and safety liability insurance market,this paper constructs the evolution game model of agricultural product quality and safety liability insurance,based on information asymmetry theory and evolutionary game theory.To find out the main factors affecting the balance of agricultural product quality and safety liability insurance market.Finally,according to the analysis of the full text,from the three aspects of producers,insurance companies and the government to improve the quality and safety of agricultural product liability insurance market countermeasures.