Research On The Agricultural Natural Disasters Insurance Problem Of China

The agriculture natural disasters of China is very serious,and the ability of farmers against natural risks is very limited,which objectively needs an effective risk-transfering tool, the agricultural natural disasters insurance,to resist risks, stabilize agricultural production, and protect farmers' income. Insurance is necessary for agriculture:on the one hand, the insurance will help farmers get credit and other financial support; on the other hand, the opportunity cost of insurance for government is smaller than the post-disaster subsidies to farmers.The explicit requirements to agricultural insurance have been set in the No.1 central documents these years.With the process of the modernization of agriculture and high value-added speeding up, the modern agriculture in the high input and high output faces more high-risk, while more and more modern farmers look forward to agricultural disasters insurance that can provide protection for their production and life.Many insurance companies are unwilling to abandon the vast market in rural areas, and hoping to operate agriculture disasters insurance under the government's support in order to obtain a variety of preferential policies and profits.The agricultural disasters insurance doesn't succeed in our nation and still exists in lots of problem. There are three stages in course of agricultural insurance development, which are the stop-begin circle stage of 1949-1982,the marketdecreasing stage of 1982-2003 and the government intervention-exploration and development stage since 2004. At present there are still lots of problem,which are lack of agricultural disasters insurance law, agricultural catastrophic risk transferring system, agricultural insurance management model and agricultural disasters insurance macro-problem research. Article mainly researches macro-problem about agricultural disasters insurance,which are loss rule of agricultural natural disasters,agricultural insurance rating-making,and government subsidies,etc. These problems are very urgent in developing agricultural insurance.It needs scientic theory and method on agricultural disasters insurance.Article's theories are mainly the basic principle of economics and insurance. Article's methods are mainly statistics and numerical analysis theory. Article's main research conclusions include that:(l)study the loss rule for a crop and a natural disaster in a region area by the interpolation method;(2)design insurance product for all risks,divide the study area into different risk areas and determine the appropriate premium;(3)establish a mathematical model for government premium subsidies to farmers.