| China is a large agricultural country,and agriculture is our basic industry.In the early stage of national economic development,agriculture supported industrial development,and now is the stage of industry feeding back agriculture.Due to the weakness and double risks of agriculture,agricultural development is beset with difficulties.With the expansion of policy-based agricultural insurance and the reform of rural financial system and mechanism,the rural financial market has taken on a new look.In 2022,the No.1 central document of the Central Government proposed to increase the investment of credit funds and insurance guarantee for the key counties supported by the national rural revitalization.In recent years,China has begun to pilot income insurance.Pengshan District of Meishan City has been established as the only pilot area of “Fruit Income Insurance+ Guarantee Slip Mortgage Loan” in Sichuan Province,which marks that Sichuan Province has entered a new stage of deepening the reform of agricultural insurance.“Fruit Income Insurance+ Guarantee Slip Mortgage Loan” marks the innovation of financial support for agriculture.“Fruit Income Insurance” protects both natural and market risks,which is conducive to improving the level of protection;“Guarantee Slip Mortgage Loan” provides loans for agricultural business entities by using policy mortgage,which is conducive to solving the problem of difficult and expensive financing for agricultural business entities.Based on the literature research of agricultural insurance and agricultural income insurance,this paper uses the interview and questionnaire survey method,descriptive statistical analysis method,and case study method to carry out relevant research from the perspective of different agricultural operators’ insurance participation.Through field research,the main methods of “Fruit Income Insurance+ Guarantee Slip Mortgage Loan ” in Pengshan District were summarized: formulating insurance clauses,formulating direct loan clauses of insurance funds,establishing information sharing system,building an online integration platform,and actively introducing government forces.The implementation effect is to meet the needs of new agricultural operators,drive poor households out of poverty,promote farmers’ income and promote the development of fruit industry.The Pengshan model provides new ideas for development,but there are also some development problems.The financial pressure of districts and counties is high,and there is a lack of multi-level fund dispersion mechanism;It is difficult to unify the standard income and lack the market-oriented income determination mechanism;The insurance direct loan business is homogeneous and lacks differentiated loan financing mechanism.In view of the problems and causes,some suggestions are put forward: establish a multi-level fund dispersion mechanism;Improve the pricing mechanism of income insurance;Improve the differentiated loan financing mechanism.The following conclusions are drawn: farmers’ participation behavior is heterogeneous;Direct insurance loan will not stimulate the financing needs of traditional small farmers;Prevent moral hazard and adverse selection through customized programs;The pilot implementation is inseparable from the support of financial subsidies.In short,this paper takes the pilot work in Pengshan District of Meishan City as a typical case study to summarize the replicable operation mode of “ Fruit Income Insurance+ Guarantee Slip Mortgage Loan ” in Pengshan District,which has important reference significance for the pilot work in other regions. |
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