Asymmetry Information Risk In Agricultural Insurance And Its Prevention Strategies

China is one of the countries with the most serious natural disasters in agriculture in the world.Agricultural natural disasters have greatly limited the production of agricultural products in China.As the support of the national economy,agriculture's comprehensive capacity is the most favorable indicator of a country's economic foundation.At the same time,agricultural production is related to the country's security issues and is closely related to many aspects.Therefore,safeguarding agricultural production is China's irreplaceable responsibility.Agricultural insurance,as one of the important means for ensuring agricultural production in China,has a stable and highly efficient risk dispersion and loss protection effect for the risks faced by agricultural production,such as disasters.However,It proposes solutions to the counter-selection and moral hazard of farmers and insurance companies in agricultural insurance.Agricultural production is sustainable.due to China's unique natural and geographical environment,a wide geographic area,complex intra-regional,and diverse natural disasters.This article results in serious information asymmetry between farmers and insurance companies,resulting in adverse selection and moral hazard issues.serious.Under such circumstances,safeguarding agricultural production is China's irreplaceable responsibility.Agricultural insurance,as one of the important means for ensuring agricultural production in China,has a stable and highly efficient risk dispersion and loss protection effect for the risks faced.adverse selection and moral hazard issues from both farmers and insurance companies greatly reduce the safeguard role of agricultural insurance,undermine the healthy and orderly market order of agricultural insurance,and make the agricultural insurance market fail,thus making agricultural production more fire.Added oil.This article analyzes the behavioral relationship between farmers and insurance companies under the condition of asymmetric information,and draws lessons from the experience of the United States and the healthy and orderly market order of agricultural insurance,and make the agricultural insurance market fail,Japan.It proposes solutions to the counter-selection and moral hazard of farmers and insurance companies in agricultural insurance.Agricultural production is sustainable.