Study On Improving The Operating Efficiency Of Policy-based Agriculture Insurance In Gansu Province

As a professional modern risk management tool,agricultural insurance has a combination of economic and social effects and can combine government and market forces organically.Agricultural insurance can diversify agricultural risks and increase agricultural investment.It is a "green box policy" to protect and support agricultural development.And Gansu is a province with a large agricultural industry.It has large quantities of poverty areas and poverty population,so the task of poverty alleviation is arduous.Agricultural development is related to the economic development of Gansu province.More importantly,it is related to the achievement of fight poverty by 2020.Therefore,it is of great theoretical and practical significance to study the operational efficiency of policy-based agricultural insurance in Gansu province.This paper clarifies the related concepts and theories of policy-based agricultural insurance and operation efficiency,constructs the research methods and analysis indexes of the thesis topic in this paper,introduces the current situation of policy-based agricultural insurance operation in Gansu province,and analyzes the main problems existing in the operation.This paper makes an in-depth study on the operational efficiency of policy-based agricultural insurance in Gansu province from the perspectives of the government,farmers and insurance companies.And it puts forward some policy suggestions to improve the operational efficiency pertinently.Finally,the conclusion and prospect of the research are illustrated.Generally speaking,the operating efficiency of policy-based agricultural insurance in Gansu province is running well.From the perspective of the government,it has achieved the goal of ensuring the steady production and income for farmers,especially the poor one's.From the perspective of farmers,it provides risk protection and it can ensure that farmers are adequately compensated for disaster losses and fluctuating prices.From the perspective of insurance companies,it has realized premium income,increased operating profit and provided risk guarantee for industrialdevelopment.However,there are still many shortcomings,the existing agricultural insurance products have not covered all characteristic industries and the finance is faced with great pressure of premium matching subsidy;Some farmers have prejudice to the understanding of agricultural insurance,have low enthusiasm for participating in insurance and do not recognize the quality of claims;Insurance company management means is simple,efficiency is low,cost is high,loss ratio is big and so on.These factors limit the operation efficiency of policy agricultural insurance in Gansu Province at this stage.Therefore,in order to further promote the promotion operation efficiency of policy-based agricultural insurance in Gansu province.This paper puts forward six policy Suggestions on strengthening the publicity of agricultural insurance policies,reinforcing the financing of premium subsidies,intensifying the consultation and connection between the government and enterprises,accelerating the construction of rural financial rooms at the village level,promoting the information level of agricultural insurance underwriting and claims and establishing a catastrophe risk prevention mechanism.