Research On The Problems And Countermeasures In The Implementation Of Policy Oriented Agricultural Insurance At County Level

Since the 19 th National Congress of the Communist Party of China,the Party Central Committee and the State Council have focused on rural revitalization and poverty alleviation,insisted on the priority of agricultural and rural development,built a modern agricultural industrial system,production system,and management system,and improved agricultural support and protection systems.The "Guiding Opinions on Accelerating the High-Quality Development of Agricultural Insurance" reviewed and adopted by the Central Committee of the Central Committee for Comprehensive Deepening Reform in 2019 refers to the fact that there is a large gap between the actual demand for agricultural insurance development and services in China.The operation mechanism promotes the high-quality development of agricultural insurance and better meets the growing risk protection needs in the field of agriculture,rural areas and farmers.At this stage,the policy-oriented agricultural insurance work has become the annual focus of various departments in various regions.It is based on the original commercial insurance company’s agricultural insurance varieties,and provides a certain amount of premium subsidy to the insurer through the financial department as a stimulus to encourage the breeding industry operators to be actively included in the insurance system network,so as to diversify China’s agricultural industry risks and protect farmers.At the same time as agricultural production income,it can stabilize the price level and reduce food security risks.Since 2007,Zhejiang Province has successively piloted policy-based agricultural insurance work in various regions.The development,reform,finance,agriculture,townships,and insurance industries have performed their respective duties.Through joint collaboration,the pilot work has developed rapidly.But at the same time,as the front line of policy implementation,county-level government departments have encountered many practical difficulties,and the phenomenon of "satisfied soil" in favor of people’s policies needs to be resolved urgently.In this article,we collected the data and attitudes of the agricultural insurance policyholders in the form of a questionnaire survey by entering households in villages in County A,made a table,and used data analysis methods to discover the existence of the policy agriculture policy in County A Insurance companies operating monopolies,poor service quality,insured people ’s insufficient willingness to participate in insurance,and small coverage of agricultural insurance,and detailed analysis of the causes.On the basis of drawing on the mature operation model of western policy-oriented agricultural insurance,taking county A as an example,from the perspective of both commercial insurance companies and insured farmers,it proposes to introduce competition from agricultural insurance underwriters and improve the mechanism of agricultural catastrophe risk dispersion 1.A proposal to explore a new model of “internal and external collaboration” in the system,increase support for agricultural insurance policies,and fully mobilize farmers ’enthusiasm for insurance.By proposing measures,improve and refine the local implementation methods at the present stage,so as to enhance the operability and enforceability of the agricultural insurance policy,with a view to ensuring that the policy objectives are achieved,and at the same time have reference significance for other areas outside A county.