The Study Of Diversification Of Catastrophic Risk For Chinese Agriculture Insurance

The paper summarizes the present research condition of agricultural insurance catastrophic risk diversification all over the world,and then the paper summarizes the present condition of China's agricultural catastrophic risks and does a detailed analysis of the China's agricultural insurance catastrophic risk diversification status.China's agricultural catastrophic risks are serious and the loss involved is widespread.In recent years the catastrophe frequency increases and the catastrophe losses rising.What's more,China's agricultural catastrophic risks put up the significant feature of regional differences.In addition,the paper tried to describe China's agricultural insurance catastrophic risk diversification status in three stages.The first stage is several local governments experiment it;then the central government subsidies promote it;and now the new financial subsidies promote the pilot.On this basis,the paper chosen several typical countries which the agricultural insurance is mature and the agricultural insurance catastrophic risk diversification is perfect matching.Additionally the paper analyzed the agricultural insurance mode of this country.The typical modes are the government leading policy mode of America,preferential policies mode of Western Europe,the mutual insurance of Japan,and the national key selective support mode of the developing countries in Asia.Furthermore the article generalized common experiences of agricultural insurance catastrophic risk diversification of aforementioned modes.In view of the development process,aforementioned countries all set up the matching law firstly,then set up the specialized operating mechanism,and given the supply and demand sides fine subsidies,and relate the agricultural insurance participation to social welfare,and in consideration of the unpredictability of catastrophic risks,those countries assort financing mechanism in case the risk uncontrollable.In the perspective of agricultural catastrophic risks dispersion,they just tried to increase the units of catastrophic risk as much as possible.In addition,it analyses the deficiencies of China's agricultural insurance catastrophic risk diversification on account of the analyses above-mentioned based on the characteristics of China's agricultural catastrophic risks and the practice experiences of diversification of China's agricultural insurance catastrophic risks.Then the paper comes to a decision that China's agricultural catastrophic risks are severe and frequently.At last,the paper puts forward several feasible proposals to consummate China's agricultural insurance catastrophe risk diversification.