Measure And Influencing Factors Of Policy Agricultural Insurance Level In Jilin Province

China’s agricultural insurance system has experienced a long and tortuous road of exploration,the development of agricultural insurance is related to the important guarantee of national economy and people’s livelihood.In the past decade,the level of agricultural insurance protection in China has increased rapidly,from 3.67% in 2008 to 23.21% in 2018,an increase of19.54 percent in a decade.However,compared with the United States and other developed countries,the level of agricultural insurance protection in China is still at a low level,the role of agricultural insurance has not been fully played,it is difficult to provide adequate protection for agricultural risks,and the promotion of agricultural modernization is far from enough.The guarantee level of agricultural insurance has always been concerned by the theoretical circle and the government.How to improve the guarantee level of agricultural insurance and the high quality development of agricultural insurance is the focus on research.In recent years,the provincial party committee,the provincial government to deepen the structural reform of agricultural supply side as the main line,to "enlargement surface,increase product,upgrade standard" as the basic principle,to further improve agricultural insurance policies,improve agricultural insurance service capacity,optimize the agricultural insurance operation mechanism,strengthen the development of agricultural insurance insurance,standardize the order of agricultural insurance market,promote the development of agricultural insurance high quality agricultural modernization,Better meet the increasing demand of rural risk assurance in Jilin Province.In 2019,the five departments jointly issued the Guidelines on Financial Services for Rural Revitalization,calling for continuous improvement of agricultural insurance coverage.In 2019,the Guiding Opinions on Accelerating the High-quality Development of Agricultural Insurance issued by the Ministry of Finance of the CPC Central Committee clearly stated that the coverage and service areas of agricultural insurance should be expanded,the level of agricultural insurance protection should be improved,and the growing demand for risk protection in agriculture,rural areas and farmers should be better met.In 2022,Jilin Provincial Department of Finance issued the notice on Accelerating the Implementation Plan of High-quality Development of Agricultural Insurance in Jilin Province,emphasizing the need to improve the level of agricultural insurance guarantee in Jilin Province.Therefore,the paper study of Jilin Province policy-related agricultural insurance level,through the establishment of policy-oriented agricultural insurance level evaluation index system,and evaluate the policy-oriented agricultural insurance level,the influence factors of policy-oriented agricultural insurance level and function influence level,for Jilin Province policy-related agricultural insurance constructive.Suggestions for the development of high quality.This paper on the research on the development of domestic and foreign agricultural insurance level,on the basis of combining literature presents the definition of agricultural insurance level,set up in Jilin Province policy-oriented agricultural insurance level evaluation index system,respectively from the two latitude of Jilin Province respectively planting and raising policy-oriented agricultural insurance level measurement analysis,by using time series Tobit model,This paper studies the influencing factors of agricultural insurance guarantee level and puts forward countermeasures and suggestions for improving agricultural insurance guarantee level in Jilin Province.(1)With the promotion of the agricultural insurance policy pursued by the state,"expanding the coverage,increasing the product and raising the standard" promotes the guarantee level of agricultural insurance to rise steadily year by year.Compared with the agricultural insurance guarantee index of developed countries,China’s agricultural insurance guarantee level is far behind,even there is a big gap.As a result,agricultural insurance can not provide good protection for farmers’ disaster risk,which is not conducive to the follow-up development of agricultural insurance,not to say the development of agricultural industry.(2)By estimating the level of policy-based agricultural insurance in Jilin Province from the two latitudinal aspects of planting and breeding,by types of insurance and by years,the following four conclusions are drawn from the analysis: Firstly,the level of policy-based agricultural insurance in Jilin Province shows a trend of steady growth year by year;Secondly,from the year-by-year comparison,the security level of planting industry is slightly higher than that of breeding industry,showing the characteristics of "strong planting and weak breeding".Thirdly,there are differences in agricultural insurance among different crops,and the level of insurance is obviously different.Fourthly,the guarantee level of national agricultural insurance has been slightly higher than that of Jilin Province.(3)Through the establishment of time series Tobit model,the empirical analysis of factors influencing the level of agricultural insurance guarantee shows that agricultural insurance premium income,agricultural insurance compensation level,urbanization rate,government premium subsidy,agricultural population,planting area and disaster rate all have a significant impact on the level of agricultural insurance guarantee.Among them,agricultural insurance premium income,agricultural insurance compensation level,urbanization rate and government premium subsidy have positive influence on agricultural insurance guarantee level.Agricultural population and the degree of disaster have a negative impact on the level of agricultural insurance guarantee,while other variables have no significant impact on the level of agricultural insurance guarantee.