Research On The Development, Problems And Countermeasures Of Agricultural Insurance In Fujian Province

Agriculture is the foundation of the national economy, but agricultural production is frequently attacked by the typhoon, drought, rainstorm, natural disasters, and invasion. Agricultural insurance has scattered agricultural risk function, therefore, improve agricultural insurance is the key to solve the fore mentioned problem, is the construction socialism new countryside strong support, is constructs the important pillar of the economic zone on the west strait. Under this background, the research development of agricultural insurance and explore for Fujian agricultural insurance development pattern, explore feasible route and puts forward corresponding countermeasures, have relatively great theoretical significance and practical significance. Modern agriculture under natural risk and social risk, the threat of economic risk, it is affecting the sustainable development of agriculture. Agricultural insurance is passed on risk; transfer the loss of important ways. At present, China's agricultural insurance is still in the doldrums in wandering. Still no groping into a suitable agricultural insurance development path, still not in agricultural insurance system innovation of agricultural insurance breakthrough, the traditional framework still in action, which restricted the further development of agricultural insurance ?Fujian as a big agricultural province also lies in the southeast coast of China, is affected by natural disasters one of the heaviest several provinces, an average annual suffered from 4-6 times the typhoon hit, Frequent natural disasters seriously affected the income of the peasants and the steady development of modern agriculture of Fujian province. Research is the overall objective of: through the analysis of Fujian province agriculture insurance status and existing problems, the paper explores suits of Fujian province agricultural insurance development countermeasures.This article is in this realistic context from agricultural insurance connotation, type and distinctive attribute three interrelated angles on the theory and practice of agricultural insurance is studied, the agricultural insurance had in Fujian province by development, based on the present study, separately from the government, the subject of insurance carriers and farmers to agricultural insurance development view on a deep thinking in Fujian province, in order to agricultural insurance system establishment and the perfect theoretically do some exploration. This study of demand and supply utility theory, system innovation theory and ACCES metering method as the main analysis tools, on the basis of previous studies, combining qualitative and quantitative research, focus on microcosmic behavior of farmer analysis and case analysis, to the agricultural insurance from the government, insurance companies and households existing in three main demand, economic benefits and institutional choice and so on many angles theory research.On this basis, by questionnaire and depth interview method, the agricultural insurance status of Fujian province was analyzed, and shortage of Fujian province agricultural insurance to demand more clear understanding to farmers as the main line, the ginseng of intend to farmers, provincial insurance company has carried on the questionnaire survey. Through the ACCESS software, data statistics and analysis, the master of those surveyed annual income level, agricultural acreage of agricultural insurance and know the situation of agricultural insurance, including offered the willingness to recognize and ginseng, do not wish to attend insurance reasons, already joined the agricultural insurance against farmers on the degree of satisfaction, farmers notice insurance products, and the content of the questionnaire investigation with ICONS and other data in Fujian province were analyzed, agricultural insurance affecting the crux of the further promotion. Specific goals include: this paper attempts to explore in the west coast of the strait economic construction, Fujian province agricultural insurance better adapt to the objective requirement of rural economic development and improving agricultural the capability against risks. Agricultural insurance on one hand has the potential to natural demand, on the other hand is to supply atrophy. Research focused on how to solve to solve this contradiction between supply and demand and better service to the west coast of the strait economic construction. Summarizing the development of agricultural insurance in the process of experiences and lessons for agricultural insurance theory research, develop ideas. Insurance system is due to the uncertainty of the transaction activity result is formed; the insurance system formation not only reduced the transaction cost, and ensure the stability of the transaction. Therefore, for the whole of economic operation up security role, the system of agricultural insurance organization level, should with the level of economic development to adapt. By providing a series of rules define behavior of subject choice space, regulate every subject behavior. In research operating subject, management model on the basis of research behavior subject in the position and role of agricultural insurance. This article through the search provincial government planning and Fujian insurance industry association about agricultural insurance and related data, Visiting agricultural small businesses, agricultural industry associations, and other organizations and farmers; This paper based on the theory of agricultural insurance and elaborates the work progress situations of the pilots in Fujian Province. The author found out that there are many problems existed, such as inadequate facilities, high insurance rates, the limited capacity of farmers to bear the premium, etc. This paper starts with the view of the government, constructors and farmers to suggest the establishment and improvement of the perspective of agricultural insurance system, to build an effective model of agricultural insurance, improve the supporting facilities, strengthening the company's management and the work for the farmers to participate in such measures, and with the hope to further promote the smooth development of agricultural insurance in Fujian Province.