Study On Construction Of Policy Agricultural Insurance System Of Our Country

Agriculture as a weaker industry in the importance position plays an important role in a country's economic development. It faces much risk because of its character. Agricultural insurance(AI) is an important means to evade non-systemic agricultural risks, one of three mainstays of modern agriculture development——agricultural science and technology, agricultural finance and agricultural insurance——in the market economy, one of Green Box Policies pear fitted by the rules of WTO to support agriculture. It can promote agriculture industrial production, stabilize farmers' income, enhance the agricultural prospective return and the operating results, realize the supporting agriculture redistribution of income and bring advantageous multiplier effect to the economy and so on. It is valued by various countries' governments. China is a large agricultural country, whose agriculture faces huge risk. After China's entry to the WTO, the problem about agricultural insurance is prominent. When other countries are supporting agricultural greatly, Chinese step is little. Although our country agricultural insurance has developed from the founding of the nation, but as a result of numerous factors influence, the agricultural insurance not only didn't have the fast development, instead withered day after day. Now it already lags seriously to its demand in our country. On the view of world and our country, the AI is confronted by difficulty under pure business managed without government support. So the paper proposes to establish policy AI in our country.The paper includes 5 chapters. Chapter 1 introduces the long history about the AI in China and the problem confronted. Section 1 introduce the concept and sort of AI, analyze the policy character of AI with the way of economics, that is the character of Quasi-Public Goods, Positive Externally and the probability to insurance the agricultural risk. Section 2 gives a brief of the long history about the AI in China which is divided into four periods, then analyze the problem of AI in China, that is the absence of AI law, government promotion, the doers managing AI, the mechanism to disperse agricultural risk and financial environment of AI. Chapter 2 introduces the policy AI experiences of the US, France, Japan, Philippine. After that some apocalypses are gotten, such as the important role of AI should not be neglected, perfecting legislation will ensure the AI business, the policy AI should be defined, the government should support the AI in the way of fiscal, revenue and finance, forcing or encouraging the Farmer to join AI by a good way, the government should establish a good policy AI system. Chapter 3 introduces the policy AI situation of some areas in China, those are Shanghai, Heilongjiang, Jilin, Xinjiang, Sichuan, analyzes their merit and demerit. Chapter 4 proposes some suggestions about how to establish a policy AI system in China. First of all, legislate for policy AI, then establish agricultural risk administration, choose multi kinds of models to manage policy AI, strengthen the fiscal allowance and policy support to policy AI, at last, establish a funds for administrating agricultural risk. Chapter 5 proposes some supporting measures in establishing policy AI in China. Firstly, publicize knowledge of agricultural insurance, raise the farmer's awareness of the agricultural insurance. Secondly, strengthen the training of professional AI personnel. Thirdly, establish the mechanism associated with the national agricultural support policies. Fourthly, strengthen the credit support to AI. Fifthly, the institutions managing AI should strive for extensive support on their own.