Research On The Predicament And Legal Countermeasures Of Agricultural Insurance In Poverty Alleviation

The universality and long-term nature of poverty have plagued today’s society.Eliminating poverty not only has ethical legitimacy,but also is conducive to the coordinated development of the economy and society,and enhances the country’s human rights and rule of law.In China,agriculture is a relatively weak industry,rural areas are areas where public goods and services are relatively weakly covered,farmers are relatively vulnerable groups in the social structure,and the governance of rural poverty in China has urgency and long-term arduousness."Targeted poverty alleviation" means not only that by the government and the whole society’s efforts to lift the 70 million rural poor people living in rural areas of our country out of poverty in accordance with the Party’s stated goals,but also means that in the future,"targeted poverty alleviation" "It should become an important system for China to eradicate relative poverty,ensure that farmers share the fruits of reform and development,and realize social justice.Due to the poverty of agriculture,rural areas,and farmers,financial products and services such as banking,insurance,and securities are basically distributed in cities,and finance mainly serves economically developed areas.As a special financial product,agricultural insurance has the functions of reducing agricultural risks,ensuring national food security,and stabilizing farmers’ income.It is also an inherent need to advance the strategy of precision poverty alleviation in rural areas of China.However,in practice,agricultural insurance has exposed prominent problems such as inaccurate assistance targets,inaccurate poverty alleviation services,and inaccurate poverty alleviation performance.Investigating its root causes,China’s agricultural insurance poverty alleviation legal system,protection of farmers’ insurance rights,agricultural insurance poverty alleviation incentive mechanism,agricultural insurance poverty alleviation risk prevention and control system,etc.have defects,which seriously affect the realization of national precision poverty alleviation work.In the context of targeted poverty alleviation,analyze the legal problems of agricultural insurance in China,and draw on the successful experience of poverty reduction in foreign agricultural insurance to further improve and improve the legal system of agricultural insurance in China.In addition to the introduction and conclusion,this dissertation is divided into the following four parts:The first part is the origin of the agricultural insurance poverty reduction system.The socialization and institutionalization of the causes of poverty make it difficult for the poor toget rid of poverty by relying on their own capabilities.The implementation of the targeted poverty reduction strategy is a requirement for undertaking state responsibility,as well as the need to protect the basic human rights of the poor and achieve social justice.Compared with the traditional model of poverty alleviation,agricultural insurance has the functions of disaster prevention and stop loss,precise assistance,and promotion of reform results sharing.It plays an important role in stabilizing farmers ’income,improving the efficiency of poverty alleviation funds,and protecting farmers’ basic human rights.Although the agricultural insurance legal system has made great progress after China’s reform and opening up,from the perspective of its precision poverty alleviation effect,its protection is still insufficient.Incorporating agricultural insurance into an important aspect of China’s targeted poverty alleviation strategy and constantly improving the system legally,not only has a sufficient theoretical basis,but also has a wide range of practical necessity.The second part is the predicament and institutional causes of agricultural insurance participation in poverty alleviation.Precise policy according to the differences between poor areas and poverty alleviation targets is an inherent requirement of the precise poverty alleviation strategy.However,from the perspective of precision poverty alleviation,China’s agricultural insurance poverty alleviation work has outstanding problems such as inaccurate assistance targets,inaccurate poverty alleviation services,and inaccurate poverty reduction policies.From the perspective of institutional causes,China’s agricultural insurance legal system has problems such as insufficient supply of agricultural insurance poverty alleviation laws,lack of farmers’ related insurance rights,and inefficient legal incentive mechanisms for agricultural insurance poverty alleviation.The third part is the extra-territorial experience and enlightenment of agricultural insurance in poverty alleviation.Agricultural insurance has played an important role in the world’s anti-poverty work.Relatively speaking,the agricultural insurance legal systems in some countries outside the region are more mature and effective,and it is worth learning from.Analyzing the legislative guarantees,implementation forms,financial support,and risk control in the agricultural insurance poverty alleviation areas of the United States,France,Japan,and the Philippines,it can be seen that China’s agricultural insurance legal system is in agricultural insurance legislation,agricultural risk decentralization mechanisms,and agricultural insurance grassroots construction Such aspects can also strengthen the protection of the insurance rights of poor farmers and the regulation of the government and insuranceinstitutions’ obligations for poverty alleviation,and improve the performance of agricultural insurance poverty alleviation.The fourth part is the perfect countermeasures of agricultural insurance participation in poverty alleviation.First,improve the legal system for poverty alleviation of agricultural insurance to provide more effective support for poverty alleviation;second,strengthen the protection of farmers’ insurance rights to ensure the dominant position of the poor;once again optimize the legal incentive mechanism for agricultural insurance to alleviate poverty;Enthusiasm;finally improve the legal mechanism of risk prevention and control,and improve the efficiency of the use of poverty alleviation resources.