Study On Evaluation Of High Quality Development Level Of Agricultural Insurance In China

In 2019,the Ministry of Finance,the Ministry of Agriculture and Rural Affairs,the China Banking and Insurance Regulatory Commission,and the Forestry and Grassland Administration jointly issued the "Guiding Opinions on Accelerating the High Quality Development of Agricultural Insurance"(hereinafter referred to as the"Guiding Opinions"),which pointed out that China’s agricultural insurance should move towards a stage of high-quality development.Evaluating the high-quality development level of agricultural insurance is a necessary part of achieving highquality development of agricultural insurance.However,there is currently no industry recognized system for evaluating the high-quality development level of agricultural insurance.This article attempts to construct an evaluation index system for the highquality development level of agricultural insurance,providing theoretical reference for subsequent research scholars and providing some ideas for the high-quality development of agricultural insurance.In previous studies,there were many indicators that focused on the scale of agricultural insurance,while there were few evaluation indicators for evaluating the level of high-quality development.Therefore,more attention was paid to the examination of the operating entities of agricultural insurance.As a guarantee tool for agricultural production,agricultural insurance is essentially aimed at better assisting agricultural production and increasing farmers’ income.Therefore,high-quality development should pay more attention to solving the "three rural issues".This article will focus on the evaluation dimensions that reflect the high-quality development of agricultural insurance,and construct an evaluation index system from three aspects:government,enterprises,and farmers.This article takes 31 provinciallevel administrative regions in China as the research object,selects 13 indicators from five dimensions:agricultural insurance service capacity,agricultural insurance operating environment,farmers’ harvest level,agricultural insurance sustainable development capacity,and agricultural insurance development potential,and constructs a relatively complete evaluation system for the high-quality development level of agricultural insurance.Afterwards,further demonstrate the scientific nature of the evaluation system by analyzing the scores and rankings of the indicator system.The results indicate that:firstly,the quality of agricultural insurance development is influenced by multiple factors;Secondly,the service capacity of agricultural insurance is the core indicator in the evaluation system.The infrastructure of agricultural insurance and the level of benefits received by farmers provide a material basis for agricultural development.The sustainable development and potential of agricultural insurance are the inexhaustible driving forces for the development of agricultural insurance;Once again,there are significant regional differences in the high-quality development level of agricultural insurance;Finally,some provinciallevel administrative regions lack high-quality development stability in agricultural insurance.In response to the conclusions drawn,five suggestions were proposed for the high-quality development of agricultural insurance,including improving the service capacity of agricultural insurance,building a good operating environment for agricultural insurance,enhancing farmers’ sense of harvest,tapping into the potential of agricultural insurance,and building a professional talent team.