Research On The Financial Subsidy Of Agricultural Insurance In Hunan Province

Agriculture is prosperous,and agriculture is strong.For a country with a vast territory and a large population in China,agriculture naturally has a very important position and is closely related to national economy,people's livelihood and social stability.However,agriculture faces many risks in its production and operation.As a major agricultural province and a major grain-producing province in China,hunan province suffers from severe natural conditions and frequent disasters,especially floods and droughts,which have a significant impact on agricultural production and operation and farmers' livelihood.n order to reduce the occurrence of poverty caused by disasters and effectively resolve agricultural risks,hunan provincial government actively develops agricultural insurance business.Throughout the development of agricultural insurance in hunan province,it is not difficult to see that financial subsidy policy is an important force to promote the effective development of agricultural insurance.However,at present,the agricultural subsidy policy for agricultural insurance in Hunan Province still has problems such as less subsidy insurance and inadequate supervision mechanism.Therefore,only by improving the financial subsidy policy for agricultural insurance can agriculture be developed smoothly and farmers will be more profitable.In the theoretical aspect,the thesis firstly combs the research achievements in the field of agricultural insurance financial subsidy at home and abroad,then defines the related concepts and briefly introduces the theoretical basis of the study on agricultural insurance financial subsidies.Then it introduces the development of agricultural insurance and financial subsidy policy in hunan province and summarizes the existing problems of current subsidy policy.Then it summarizes the experience of agricultural insurance financial subsidy system in typical countries and pilot areas at home and abroad.In the empirical aspect,the data Envelopment Analysis method is used to calculate the efficiency of agricultural insurance financial subsidy in Hunan Province in 2015-2017.The agricultural insurance premium income,insurance depth,per capita disposable income and indemnity expenditure of rural residents are selected as the output index,and the agricultural insurance premium income,insurance depth,and per capita disposable income of rural residents are selected as the input index.The empirical results show that the low comprehensive efficiency of agricultural insurance subsidy funds in Hunan Province is due to the low efficiency of the system.On the basis of theoretical and empirical analysis,this paper holds that Hunan Province should expand the scope of the target of agricultural insurance financial subsidy policy and optimize the way of financial subsidy from many aspects when perfecting the policy of agricultural insurance financial subsidy in the future.We will improve the local rules and regulations of agricultural insurance financial subsidies in Hunan Province,improve the supervision and management system of agricultural insurance financial subsidies,speed up the construction of agricultural insurance professionals,and increase the propaganda of agricultural insurance.