Research On Legal Regulation Of Green Agricultural Insurance

In the context of "dual carbon",it is our mission and responsibility to reduce the impact of climate change on mankind.The dual carbon goal is also China’s solemn commitment to the world to deal with global climate change and participate in global climate governance.To achieve this goal,green finance should be the solid guidance,and green agriculture and green finance have a natural coupling effect,green agriculture also needs the support of green finance.Green agricultural insurance is an important part of green finance.Research on legal regulations of green agricultural insurance is conducive to preventing environmental risks in agricultural production,helping implement the comprehensive rural revitalization strategy,promote the transformation of agricultural production to intensive green development,promote the green and sustainable development of agriculture,and improve rural environmental governance.This article used literature research method,empirical research method and comparative analysis method,after the analysis of the basic theories of green agricultural insurance,selected several most typical kinds of green agricultural insurance as the object of practice analysis,summarized the existing laws and regulations on green agricultural insurance in our country,and deeply investigated the domestic and foreign areas and countries with good development of green agricultural insurance.After absorbing the experience,this paper proposes corresponding suggestions to optimize the legal regulation path of green agricultural insurance.Firstly,this study sorted out the basic theories of green agricultural insurance,analyzed the relevant concepts of green agricultural insurance and its relationship with green insurance,further analyzed the functions and characteristics of green agricultural insurance,and explained its feasibility and necessity.And combined with market regulation theory,legal incentive theory,information asymmetry theory,social risk sharing theory as the theoretical support of green agricultural insurance legal regulation,to lay a theoretical foundation for the following research.Secondly,this paper selected several typical types of green agricultural insurance as the object of practice investigation,based on the review of the current policies and regulations of green agricultural insurance,analyzed and summarized Zhejiang,Jiangsu and Fujian,and revealed the main factors and causes that hinder the development of green agricultural insurance.Thirdly,through the comparative analysis method,the model exploration and legal regulation comparison of the green agricultural insurance practice in the United States and Japan are conducted,and it is found that it can provide certain experience reference in the insurance institutions’ own innovation,government guidance,advanced technology and the perfection of laws and regulations.Finally,the paper returns to the starting point of perfecting the legal regulation of green agricultural insurance,clarifies the basic principles,improves the legal system,determines the standard rules,refines the regulatory system,establishes the incentive system,constructs the risk prevention mechanism,and proposes relevant supporting measures.From these aspects,the legal regulation path and measures are proposed.