Analysis On The Supply And Demand Of Agricultural Insurance Market In Jilin Province

As one of the “green box policies” allowed by the WTO,policy agricultural insurance premium subsidies have become an important policy tool for stabilizing agricultural production and improving farmers' welfare.As the first batch of policy-based agricultural insurance pilot provinces in 2007,Jilin Province has expanded rapidly in terms of the number of farmers participating in insurance,the scale of government premium subsidies,and the amount of agricultural insurance claims,and has become an important part of the strategic thinking of agriculture.However,the development of agricultural insurance in Jilin Province is highly valued by the government,the policy is intensively introduced,and the intensity of government subsidies continues to increase.However,it faces the actual contradiction of insufficient effective demand of farmers,which leads to the emergence of “double supply and demand”.Under this understanding Based on evolutionary game and econometric analysis,This paper analyzes the realistic characteristics of supply and demand of jilin province's agricultural insurance market,and investigates the realistic decision-making mechanism of farmers' insurance participation in jilin province,and finally puts forward some Suggestions on stimulating the market of supply and demand of jilin province's agricultural insurance and improving the policies of supply and demand of jilin province's agricultural insurance.Firstly,based on the practical summary and empirical observation of the development of China's agricultural insurance market in Jilin Province,this paper gives an overview and demonstrates the emergence and formation of the characteristics of “supply and demand double cold”,and participates in the three subjects based on the bounded rational hypothesis of the participating subjects.In the evolutionary game model,the paper analyzes the impact of changes in government subsidy intensity and the adjustment of insurance company premiums on the formation of insurance policies for farmers and insurance companies.It is precisely because of the significant signal demonstration effect of government subsidies in the agricultural insurance market.Therefore,when the government subsidies are absent in the new agricultural product-related insurance system,the two main players of the farmer and the insurance company lack the motivation and willingness to break the balance and even expand the size of the insurance market.This explains the supply and demand of the agricultural insurance market in China.The practical reasons for the formation of the pattern also provide a path support for the later discussion on the policy support system for cracking the supply and demand.Next,this paper focuses on the impact mechanism of farmers' main insurance participation decision-making.Firstly,based on the data of Jilin Province,the influencing factors model of farmers' willingness to participate in insurance is constructed.The conclusions show that farmers' risk perception level,government premium subsidy intensity,and rural labor education level.The income structure of farmers and the existence of alternative income channels measured by migrant workers significantly affect the willingness of farmers to participate in insurance.At the same time,China's farmers' participation in insurance has a typical blind follow-up "follow-up" characteristics.Based on empirical observations rather than risk-expected management needs,it is the main driving force for farmers to participate in insurance.Finally,based on the development practice of policy-based agricultural insurance in other countries,combined with the inherent law of the dual-cold characteristics of supply and demand in the agricultural insurance market,this paper refines the inert inhibition path of the participating entities.The inertia of government entities should be concentrated in policy agricultural insurance.On the clarity of the boundary,the inertia suppression path of the farmer's main body is in the improvement of the risk guarantee strength.At the end of the paper,this paper from the crack of jilin province agricultural insurance of insufficient effective demand and supply predicament reality analysis and improvement of jilin agricultural insurance policy innovation of supply and demand two aspects related Suggestions are given from the realistic analysis,the future of jilin province agricultural insurance development should focus on: to speed up the development policy subsidy boundary strengthening agricultural insurance risk guarantee strength and build on the insurance company risk disperse mechanism;From the perspective of agricultural insurance supply and demand policy innovation measures,the current work should focus on clarifying the boundary of policy-based agricultural insurance subsidies from the top dimension,accelerating the agricultural insurance bid promotion reform,enhancing the risk guarantee intensity,and starting the operating expense subsidies of insurance companies in the new agricultural insurance business...