Research On The Development Countermeasures Of Policy-based Agricultural Insurance In Bo’ai County

As an important part of the rural financial system,agricultural insurance plays a significant role in agricultural risk compensation,rural financing,industrial and rural revitalization.Therefore,strengthening the high-quality development of agricultural insurance is an important measure to promote the integration of urban and rural areas and prioritize the development in agriculture and rural areas.Based on the original agricultural insurance of the commercial insurance company,policy-based agricultural insurance achieves stimulus through subsidies to the insurer by the financial department.It can encourage the planting operators into the insurance network actively,so as to spread the risk of China’s agriculture and to increase farmers’ income and maintain the stability of price while ensuring the safety of agricultural production,which effectively ensure national food security.Since 2007,Henan province has been piloting policy-based agricultural insurance in various places.With the cooperation of various institutions,agricultural insurance has developed rapidly.In the front line of the implementation of agricultural insurance policies,counties have encountered many practical problems in carrying out the policy-based agricultural insurance,and the "acclimatize" in the policies that benefit people is in urgent need of tackling.Based on the practical investigation,which takes the form of questionnaire and interview,in Bo ’ai county of Jiaozuo city in Henan,this paper collected data related to the various subjects of agricultural insurance and their participation and effectiveness.The finding is that problems such as a lack of motivation for insurance of the farmers,low quality of the service of the insurance company and weak support from the government exist in the process of the practice of the policy-based agricultural insurance in Bo ’ai county.After detailed analysis of their causes,this paper concluded suggestions from three perspectives: farmers of Bo ’ai county,insurance companies and governments.From the perspective of farmers,it is suggested grass-roots publicity be strengthened to improve their awareness of risk resistance and adjust insurance premiums to meet farmers’ need.In terms of insurance companies,the construction of teams working on agricultural insurance business should be strengthened,and the information technology should be used to improve the efficiency of compensation and actively promote the innovation of agricultural insurance products.As for governments,the range of subsidies should be extended and the management of subsidies should be bettered.And the competition can be stoked by introducing the agricultural insurance contractors.Through theoretical thinking and practical countermeasures,this paper expects to improve the current implementation measures of the policy-based agricultural insurance of Bo ’ai county,so as to enhance operability and enforceability of policy-based agricultural insurance and improve the risk resistance ability of Bo ’ai county and other counties through the high-quality policy-based agricultural insurance,thus to consolidate the industrial base of rural revitalization and national food security.