Research On Operational Efficiency Of Agricultural Insurance In Liaoning Province Under The Rural Revitalization Strategy

Since the effectuation of the Rural Revitalization Strategy,China has integrated agricultural insurance into the “agricultural support protection” system,which pinpoints the status of agricultural insurance in the work of “agriculture,rural areas and farmers”.As a major agricultural province in our country,Liaoning government has always put the emphasis on the work of “agriculture,rural areas and farmers”.Since Liaoning Province was listed as the second batch of agricultural insurance experimental units in 2007,the converge,gross premium income and security function of agricultural insurance has been continuously expanded.How the agricultural insurance works,what problems exist,how to solve them,and whether it can help Liaoning province to carry out the rural revitalization strategy should be worthy of great concern.This paper describes the current situation of agricultural insurance in Liaoning Province and puts forward some relevant issues based on its development process,operation of agricultural insurance,government subsidies and insurance companies.Then,use DEA data envelopment analysis,from three aspects: farmers,government and insurance companies,select panel data from 2017 to 2020.Opt the density and depth of agricultural insurance,premium income and expenditure for agriculture,forestry and water as input indicators,and the compensation farmers gained,agricultural output value and sown area of crops as output indicators.It is found that there are significant differences between eastern and western regions in the operation of agricultural insurance in Liaoning Province,with decrease progressively returns-to-scale,exists resources mismatch,waste and other phenomena.Then,via the Tobit regression model,take the efficiency value obtained from DEA model as the dependent variable,from four scopes of agriculture,farmers,government and insurance companies,regression analysis is selected agricultural output,per capita disposable income,number of agriculture employees,expenditure for agriculture,forestry and water,agricultural insurance premium income,and indemnity ratio as explanatory variables.The results show that there is a noteworthy positive correlation between the agricultural output value,the indemnity ratio and the operational efficiency of agricultural insurance,there is a negative correlation between agricultural insurance premium and expenditure on agriculture,forestry and water,agricultural population and premium income.There is no statistically significant relationship between per capita disposable income and the operational efficiency of agricultural insurance.Bottom on empirical analysis,this paper brought up countermeasures and suggestions from the perspectives of farmers,government and insurance companies,which include that: strengthening agricultural insurance publicity,providing diversified insurance products,improving the service capabilities of insurance companies to prevent moral hazard and adverse selection,enhancing the quality of insurance companies by means of science and technology,precising the proportion of agricultural insurance premium subsidy precisely,setting up the mechanism for dispersing risks of agricultural disasters.