Study On The Efficiency Of Policy Agricultural Insurance Subsidy In Sichuan Province

Agriculture is the foundation that supports China's national economy and people's livelihood.As an effective means to prevent the risks of agricultural production and management,agricultural insurance plays a huge role in stabilizing farmers' income and promoting the development of agriculture.Therefore,it has been highly valued by the central government and a series of related policies which have been taken since 2004 have made great achievements in China's agricultural insurance.As one of the thirteen major grain-produced areas in China,the agricultural development of Sichuan is related directly to food security and economic development of China.In 2007,Sichuan became one of the first pilot provinces for the central financial agricultural insurance premium subsidy.Sichuan comprehensively carried out policy agricultural insurance work in the province by 2008.With the remarkable achievement of policy agricultural insuranc in Sichuan,it has also exposed some problems.Firstly,before evaluating the efficiency of policy agricultural insurance subsidy,this article establishes a logical model for the evaluation of policy agricultural insurance subsidy efficiency based on the theoretical analysis of the previous literature review,this model systematically expound the operation principle and purpose of policy agricultural insurance,presented the process of policy agricultural insurance subsidy input resources and output results in a concise and visual way,and provide a theoretical basis for later efficiency evaluation.Secondly,this article studies Sichuan's overall policy agricultural insurance subsidy efficiency from a vertical perspective,and compares it with the national level.With the theoretical supportment,the data of agricultural insurance subsidies and the ratio of subsidy from 2007 to 2016 in the whole country and Sichuan Province are selected to measure the investment of agricultural insurance subsidies,and the per capita net income of farmers,insurance claims,agricultural insurance depth,and agricultural insurance density are selected.Using the input-oriented DEA model(BCC)to measure the effect of agricultural insurance subsidy output.Furthermore,this article studies the subsidy efficiency of policy agricultural insurance in various prefecture cities in Sichuan from a horizontal perspective.The agricultural insurance subsidies,subsidy ratios,per capita net income of farmers,insurance claims,agricultural insurance depth,and agricultural insurance density of 21 prefecture cities in Sichuan Province are selected.The DEA model(BCC)evaluates the comprehensive efficiency,pure technical efficiency and scale efficiency of policy agricultural insurance subsidies in various prefecture cities in Sichuan Province.Then,based on the above research,the article draws the following conclusions:From the vertical perspective,first,in most years,there is still a certain gap between the efficiency of Sichuan's policy agricultural insurance and the national level.The reasons is both the irrational management mechanism of agricultural insurance subsidies and the affecting scale.These need some targeted optimization.Second,Sichuan's policy agricultural insurance subsidies are in an efficient state,and can continue to promote relevant advanced experience and benefit other provinces and cities in 2008,2010,2012 and 2016.Third,there is a surplus of agricultural insurance subsidy investment in Sichuan Province in 2013 and 2015.It is especially important to plan financial funds further.Fourth,in 2009,2011 and 2014,the premium subsidy was invalid.It was mainly due to institutional factors.The premium subsidy policy should be further optimized,the agricultural insurance premium subsidy mechanism should be innovated,and the fund management mechanism should be improved.From the horizontal perspective,first,the comprehensive efficiency of policy agricultural insurance subsidies in most prefecture cities in Sichuan is ineffective,and there is a large regional difference in the comprehensive efficiency of each city.Agricultural insurance subsidies have not fully stimulated agricultural production and management.Second,the purely technical efficiency of policy agricultural insurance subsidies in Sichuan's prefecture cities is relatively high,and there are small regional differences in the pure technical efficiency of each city.The management mechanism is relatively perfect,but there is still room for improvement.Third,the scale of the policy agricultural insurance subsidies in Sichuan's prefecture cities is relatively low,and the scale returns are declining.It is necessary to optimize for reasons.Fourth,the lower overall efficiency of policy agricultural insurance subsidies in provincial cities is due to the lower scale efficiency.Therefore,the reasons for the low efficiency of agricultural insurance in Sichuan Province are mainly due to the scale of subsidies,and it is necessary to further rationally allocate the scale of insurance subsidy investment;Fifth.For the first-type prefecture cities represented by Chengdu and Panzhihua,the comprehensive efficiency,pure technical efficiency and scale efficiency of policy agricultural insurance subsidies are all effective,so other prefecture cities can learn from them policy-based agricultural insurance subsidies.The second type of prefecture cities represented by Deyang and Zigong have high comprehensive efficiency and pure technical efficiency,while the scale efficiency is relatively low.For such cities,the scale of agricultural insurance subsidies should be reduced.The third class prefecture cities represented by Mianyang and Yibin have low comprehensive efficiency,pure technical efficiency and scale efficiency.For such cities,agricultural insurance subsidy fund management mechanism,optimize premium subsidy policy should be improved,and the scale of policy agricultural insurance subsidies should be reduced.Sixth,combining with the analysis of government subsidy fund loss ratio,for the third type of prefecture cities,government subsidies are not all used for agricultural insurance claims,there are a lot of money to be earned by insurance companies,for the second type of prefecture cities,the government subsidies are also not use for agricultural insurance claims expenses,but the effect is relatively weak,for these two types of cities,government should strengthen the supervision of the insurance of agricultural subsidies,improve the regulatory evaluation mechanism of agricultural insurance subsidies.Finally,based on the conclusions of the study,this article puts forward relevant suggestions based on the problems found in the Sichuan agricultural insurance subsidy system.