A Study On "targeted Poverty Alleviation" Of Agricultural Insurance In Henan Province

Targeted poverty alleviation by agricultural insurance includes three elements: government,insurance companies and poor farmers.The government gives certain financial subsidies to insured farmers,and guides insurance institutions to actively carry out agricultural insurance,highlighting social responsibility.Insurance companies actively carry out agricultural insurance,innovative types of agricultural insurance,training farmers' awareness of insurance;Based on their own conditions,farmers use insurance means to avoid their own production risks and ensure their agricultural income.In this way,farmers can effectively reduce the huge losses caused by natural disasters and the probability of poverty caused by disasters by investing a certain premium.Central plains agricultural insurance co.,LTD was established in 2015,as the first henan agricultural insurance institutional investor,the central plains farming risks make full use of their own advantages,continuously in lankao county,xixian,the guangshan county precision poverty alleviation poverty areas such as innovation,actively carry out "insurance package for poverty alleviation scheme," for the poor peasant households to provide agricultural protection.However,there are still many problems in the process of poverty alleviation of Zhongyuan agricultural insurance.Only by constantly finding and solving problems,can the poverty alleviation effect of agricultural insurance be brought into full play.There are a series of problems in the process of poverty alleviation of Zhongyuan agricultural insurance.The main aspects of agricultural insurance in central plains are single agricultural insurance,high management pressure,insufficient poverty alleviation motivation and lack of professional talents.The poor peasant households mainly have low understanding of agricultural insurance,low understanding of Zhongyuan agricultural insurance company and low evaluation of service quality of Zhongyuan agricultural insurance company.To solve these problems,it is necessary to start from the reality and combine the domestic and foreign practice of targeted poverty alleviation of agricultural insurance to give corresponding solutions.First,it should relieve the pressure of local government funds,optimize the allocation of fiscal funds and accelerate relevant legislation.Secondly,Zhongyuan rural insurance should innovate its model of targeted poverty alleviation,reduce the cost of poverty alleviation and develop talent team.Finally,we should strengthen the publicity of agricultural insurance,accelerate the establishment of Zhongyuan rural insurance brand,and improve the service quality of Zhongyuan rural insurance.