Development Problems And Countermeasures Of The Policy Agricultural Insurance In Chengdu

Agriculture,as the foundation of the national economy,is related to the people’s livelihood and economic development of the country.At the same time,the existence of natural disasters and market fluctuations has severely affected rural economic growth,agricultural development and the increase of farmers’ income.The risks faced by the agricultural production process can be dispersed through agricultural insurance,making agricultural insurance gradually become the country’s main means of protecting agricultural development.However,in the operation of agricultural insurance for many years,there are still some problems in terms of insurance products and specific operation process.This article proposes corresponding development countermeasures for the future development of Chengdu’s policy agricultural insurance,and puts forward corresponding suggestions on the marketization of public product supply as the research goal.By studying relevant research results at home and abroad,introducing relevant theories of public management,using field investigation methods,literature research methods,statistical analysis methods,case analysis methods and other research methods,the development of the business model of policy agricultural insurance across the country and Chengdu,System construction,etc.analyzed and concluded that Chengdu’s policy agricultural insurance operation has lack of perfect laws and regulations,the government’s financial pressure is relatively high,insufficient insurance levels have led to insufficient compensation,agricultural practitioners’ weak insurance awareness,and moral hazards.Using Chengdu’s vegetable price index insurance as an example,we conducted in-depth research and analysis,and summarized the development countermeasures for Chengdu’s policy agricultural insurance: first,speed up the construction of laws and regulations that adapt to policy agricultural insurance;secondly,increase financial subsidies for agricultural insurance The third is to improve the current policy agricultural insurance protection level and innovation of insurance types,and at the same time,through technological empowerment,strengthen the service capacity of insurance companies and optimize supervision measures;finally,continue to optimize the agricultural insurance reinsurance system and decentralize agricultural insurance giants.Disaster risk,strengthen insurance companies’ ability to control systemic risks,and actively promote the integration of "banking and insurance" to help my country’s rural financial reforms.