A Study On The Strategy Of Insurance For Rural Revitalization

In 2017,General Secretary Xi proposed the rural revitalization strategy as an important strategy and plan for China’s rural development.The Central Committee has repeatedly stressed that the achievement of comprehensive poverty eradication is the priority task and important prerequisite for the rural revitalization strategy.At present,the battle against poverty has entered a decisive stage.All regions need to do a good job in the "post-poverty era" of the link-up Work for rural revitalization to lay a solidfoundation.The overall goal of the rural revitalization strategy is to "realize agricultural and rural modernization".The strategy seeks to improve productivity through innovation in the agricultural production and management system,and to promote natural economy to mechanization,scale,and modernization.But the agricultural production cycle is long,the natural risk is high,in addition our country disaster event frequently,the agricultural output stability faces the huge threat.Insurance has the function of dispersing risks and financing,and can help farmers avoid risks and losses.Therefore,agricultural insurance is the important risk management method in agricultural production.After several years of carrying out and promoting the work of poverty alleviation,agricultural Insurance has made outstanding achievements in helping poverty alleviation and serving rural development,and has accumulated rich experience,but it has exposed many practical problems.Therefore,it is of great significance to summarize the practical experience of poverty alleviation by agricultural insurance and to reflect on the main problems and their root causes in order to further improve the service level of agricultural insurance and better serve the strategy of rural revitalization in the newera.In this paper,by combing the relevant literature,select quantitative analysis and case analysis of the combination of research.First of all,this paper makes an empirical test on the design effect of poverty alleviation of agricultural insurance in recent years.The government,insurance companies and farmers are selected as the starting point,and a number of indicators affecting the effect of poverty alleviation are selected.According to the Hausman test,the random effects panel model is used to estimate the variance and autocorrelation of the results,and then POLS,PCSE and GLS are used to correct the heteroscedasticity and autocorrelation.The empirical results show that : the incidence of poverty decreases by 0.21%,0.17% and 0.17% respectively.It shows that the development of agricultural insurance play a positive role in alleviating poverty in rural areas,and efforts should be made to expand the coverage of agriculturalinsurance.Secondly,the paper summarizes the experience and problems of poverty alleviation by agricultural insurance through case analysis.I have selected the "Lankao County" model of agricultural insurance in Central Plain and the "Fuping County" model of agricultural insurance in Hebei as two typical cases to analyze the specific practices,achievements,experiences and problems.On this basis,the paper summarizes the excellent experience and existing problems in the work of helping the poor by agricultural insurance.Case studies show that: The excellent experience of perfecting agricultural insurance management system,increasing premium financial subsidy,innovating the service mode of agriculture,rural areas and farmers according to local conditions,and extending agricultural insurance market by linking government with enterprises are all worthy of long-term development and being actively promoted.However,there are still some problems,such as the imperfect supporting system,the imperfect financial subsidy system,the loopholes in risk management,the lack of stability in communication mechanism,and the cognitive misunderstanding of the poorhouseholds.Finally,the paper analyzes the internal logic of poverty alleviation and rural revitalization,and analyzes the guiding significance of practical experience and existing problems in rural revitalization strategy.Based on this,this paper puts forward some opinions and suggestions on promoting rural revitalization by agriculturalinsurance.