The Optimization Of Policy-oriented Agricultural Insurance In Shaanxi Province From The Perspective Of Demand Orientation

As a basic industry of the national economy,agriculture is the premise of the emergence and development of all other industries.Agricultural Insurance is a policy tool to support and protect the development of agriculture,which helps to prevent and defuse agricultural risks,promote the stability of agricultural production and maintain the stable operation of the national economy.Shaanxi province,located in the western part of China,is also an important agricultural province..Under the threat of multiple agricultural risks,it is very important to develop policy-oriented agricultural insurance in order to promote the smooth operation of agricultural economy.Since 2007,the pilot program of policy-oriented agricultural insurance in Shaanxi Province has been continuously promoted.After more than 10 years of exploration,the scale of policy-oriented agricultural insurance in Shaanxi Province has been continuously expanded and obtained certain disperses the risk and the stable production effect.However,,Shaanxi Province still has problems such as insufficient supply and demand,insufficient security and so on.Therefore,we should evaluate the performance of the current policy-based agricultural insurance and explore the optimal path,it is of great practical significance to promote the sustainable development in Shaanxi Province.On the basis of the basic theory of Agricultural Insurance,this paper sorts out the practical exploration of the typical policy-oriented agricultural insurance operation and sums up the experience by comparative analysis method.Based on the current situation of agricultural development and the demand for policy-oriented agricultural insurance,this paper researches the operation in Shaanxi Province.Based on the existing data,this paper makes a quantitative analysis by selecting the effectiveness indicators from various angles,and makes a deep study of the problems and causes.Finally,this paper puts forward some optimization suggestions on the operation of policy-oriented agricultural insurance from the perspective of demand orientation.In order to promote the development of policy-based agricultural insurance in Shaanxi Province,this paper puts forward suggestions from four optimization paths: Optimization of government investment,optimization of market environment,optimization of risk prevention level and optimization of supervision mechanism.Specific measures include improving the legal system and increasing financial support,solving the market defects of "cold supply and cold demand" to increase the effective demand of insurance and the market supply system,through risk management institutions and risk prevention fund to form a perfect catastrophe risk prevention mechanism,using reinsurance to disperse agricultural risks,improving the performance evaluation of financial subsidies and the power of agricultural insurance.We should comprehensively improve the mechanism for establishing policy-based agricultural insurance.