The Research On Governmental Leading Behavior In The Development Of China's Agricultural Insurance

Vigorously develop agricultural insurance to avoid the risk of agriculture, as a market economy under the conditions of protection of the interests of farmers in China, achieves sustainable development of agriculture and an important guarantee. But at the same time, agriculture is a weak industry, often subjected to various forms of the risks of natural disasters, how to transfer agricultural production on the enormous risk seems particularly important. However, agricultural insurance in the development of our country is not satisfactory. China's agricultural insurance in 1930, China's agricultural insurance market is not really established, the lack of qualified agricultural insurance market in the main market. Farmers in the agricultural insurance enthusiasm is not high, in small commercial insurance, insurance products are extremely scarce.Judging from the current situation, China's agricultural insurance mode of operation, lack of government subsidies and financial, commercial insurance companies are unwilling to take risks inability larger agricultural insurance liability. The government in the design of the agricultural insurance market, we must balance the interests of all parties in the market balance - income and risk. According to China's agricultural modernization process introduced in phases in line with China's national conditions and more varieties, multi-level agricultural insurance products, rich fanners to enter the market to attract agricultural insurance market, the purchase of goods investment insurance.Based on this, this paper will be the status of China's agriculture insurance start, analysis hindered the development of China's agriculture insurance deep-seated problems, and learn from foreign agricultural insurance mode of development to discuss how to improve China's agricultural insurance mechanism, making it a solution to our "Three Rural Issues" a tool to promote the nationals JACKIE sustainable development. In this paper the development of China's agricultural insurance in the government of the dominant role of agricultural insurance to further standardize the three actors (government, insurance companies, peasants) responsibilities areas, the establishment of government-led government and the commercial agricultural insurance companies operating in mixed mode, more adapt to the current agricultural development needs, the interests of the government / maximize social benefits; the interests of the insurance company / enterprise profit maximization; the interests of farmers / revenue maximization goals.This paper proposed that the government should to be adopted in the development of the agricultural insurance played a dominant role in the analysis and be constructed in a government led by the government, insurance companies, farmers interactive scientific reality of agricultural insurance system. Through research in the development of agricultural insurance in effect to establish its dominant position and to analyze its dominant position and the feasibility of achieving path; Actors from agricultural insurance in the dominant position that the point of view of agricultural insurance prompted the government to fulfill its policy functions to constitutive built for China's agricultural insurance system.