Temporal And Spatial Pattern And Difference Analysis Of Agricultural Insurance Development Level In The Yangtze River Delta

China is a large agricultural country.Agriculture is not only the basis of the national economy,but also the "ballast" and "fixed star" of the whole social development.Therefore,the development of agriculture is the top priority in all development work.Agriculture has natural weakness,which means that agriculture should not only resist natural risks,but also face the particularity of market risks in the process of development.Therefore,agricultural insurance,a financial risk aversion tool,was born to resist the risks that may be encountered in agricultural production,flow and sales.Its basic characteristics of effectively dispersing risks have greatly improved the stability of agricultural production.In recent years,with the rapid development of economy,China’s agricultural insurance has also entered a stage of rapid development.The barrier protection function of agricultural insurance to agricultural development has become increasingly prominent,and has become an important means to support agricultural development in various regions.At the same time,similar to the level of agricultural development,the development level of agricultural insurance in various regions does not go hand in hand.The unbalanced development of agricultural insurance in China not only appears in the provincial scope,but also in the adjacent areas of the same economic belt.Firstly,this paper combs and analyzes the historical evolution of agricultural insurance system,and makes a comprehensive study on the institutional evolution of agricultural insurance development model,the restrictive factors of agricultural insurance development and the evolution of academic evaluation methods of agricultural insurance.Then it summarizes the supporting theories involved,mainly including agricultural risk and agricultural risk management theory,agricultural weakness theory,externality and quasi public goods theory,which lays a theoretical foundation for the research.In order to ensure the integrity and scientificity of the research,this paper measures and analyzes the development level of agricultural insurance in 41 cities in the Yangtze River Delta.The 41 cities in the Yangtze River Delta are regressed to judge the spatial differentiation,and then the indexes that can represent the development level are calculated based on the Theil index.The differences in the development level of agricultural insurance in the Yangtze River Delta are discussed from the two latitudes within and between regions.The conclusions are as follows:first,the effect of agricultural insurance premium subsidy in the Yangtze River Delta is significant;Second,the development model of agricultural insurance in the Yangtze River Delta is relatively mature;Third,there are great differences in the development level of agricultural insurance in the Yangtze River Delta.At present,agricultural insurance in the Yangtze River Delta shows a vigorous development trend,but through the research,it is found that there are still unfavorable factors for development.China’s agricultural insurance premium income in the Yangtze River Delta is growing rapidly,but the development level of different cities in the Yangtze River Delta is different.Although the development of agricultural insurance is affected by the development of agricultural level to a certain extent,it is not completely synchronized with the economic development of cities,and the development level of agricultural insurance in the Yangtze River Delta shows a trend of spatial autocorrelation.Finally,it puts forward the relevant policy enlightenment for the development of agricultural insurance in the Yangtze River Delta,and holds that the agricultural insurance policy should be adjusted to local conditions,and there can be no "one size fits all" situation.It is necessary to improve the balanced development of agricultural insurance regions,implement differentiated policy support,focus on the targeted formulation of policies in backward areas,give better play to the policy advantages of agricultural insurance,and finally further complete supporting agriculture and benefiting agriculture and improve the utilization efficiency of government subsidy funds.