A Study On Institutes Of China's Agricultural Insurance

This passage uses methods of modern economics, studies the construction of Chinese agricultural insurance system, analyzes the history and presents conditions of the development of our country's agricultural insurance, it also thoroughly analyzes the characteristic of agricultural risk and the exact public good's feature of the agricultural insurance good, then it introduces the construction condition of the agricultural insurance system of the country which develops agricultural insurance well, and makes Institution Economics analysis on, at last puts forward the infrastructure of constructing modes of agricultural insurance system of our country. First this paper defines some basic concept. The paper analyzes nature of quasi-common goods and it institution. Agricultural insurance from the direction of institution economics. Firstly it presents the general meaning of constitution and the theory of trade cost; System includes regular system and irregular system, the regular and irregular system and the cost happens when it being carried out in agricultural insurance decide commonly the changes of system; The aim of the changes is to achieve the last profit with the least cost, and to gain the balance of agricultural insurance condition; The way our country's agricultural insurance changes should mainly be the obligatory changes; It also should strengthen the coordination and integration with other agricultural economy system; The serious problem of information dissymmetry in agricultural insurance results in problems of regressive choice and moral risk. The system reason that our country's agricultural insurance develops lagging in a long time is market management can't adapt the peculiar character of agricultural insurance, it can't solve the system and information dissymmetry problem in agricultural insurance, and the right outside nature problem of it. Then this paper introduces some basic theory about agricultural insurance, such as the definition and essence of it, and it's nature as an exact public good. There exists nature risk, social risk, economy risk when operating agriculture; the agricultural insurance talked in the passage is the insurance with target of animals, plants and microorganism, which happens in implantation and cultivation; Agricultural insurance's nature has a lot of difference with general insurances, it has system, region, exact second and discontinuity, high loss rate character which also exit in risk accident and risk loss; Agricultural insurance goods are exact public goods with a quality of right outside. These are the premise we have a research on agricultural insurance, and they decide the difference between agricultural insurance goods and other insurance goods. It's also the reason that we can't well solve the problem in the development of agricultural insurance, when depends on market mechanism, as a result, government must play a positive part in the construction of agricultural insurance institution. The goal of the agriculture insurance institution is attains equilibrium situation with least cost. So the key issue is to solve the problem that market invalidity, information asymmetry and positive exterior effect. Government should become the main body of the evolvement. When our country carry out evolvement of agriculture insurance institution, we should according to the national situations, hold together transplant with innovation, to strengthen the institution with other agricultural policies. It introduces the condition of the country which develops agricultural insurance well, such as American, France, Canada, Japanese, Philippines and so on. It presents the contents such as law frame, management feature, regulating methods in these countries, from it we can see all these countries emphasize state's intervention. All the countries agricultural insurance is the state-subsidized insurance system, the special insurance system is decided by the country's finance power, however the violating value regular dong is also decided by the special character of agricult...