Shandong Province Agricultural Insurance Experiment Site Operational Problems Research

The paper take consummates the Shandong Province policy-type agricultural insurance experiment site policy as a goal, we reviewed the Shandong Province agricultural insurance development process, and the background that Shandong Province has carried on the agricultural insurance experiment site , we analysis the Shandong Province agricultural insurance experiment site's situation, the question which appeared in the experiment site process has carried on the thorough analysis, proposed developed the Shandong Province agricultural insurance countermeasure suggestion.The Shandong Province natural disaster have many types, distributed broad, they creates great economic loss, so it need establish a set of effective disaster prevention safeguard mechanism urgently . However, as a result of the commercialization operation's reason, the agricultural insurance as the most main method which has lost as the circumvention risk and the reduction, the Shandong Province agricultural insurance Continually atrophy since the early-1990s, the insurance premium income drops from 67,600,000 Yuan in 1992 to 5,700,000 Yuan in 2004, now its agricultural risk safeguard function is miniscule .the State Council promulgates "about Insurance business Reform Development Certain Opinions" in 2006, as well as 2004-2007 four years central committee"the first document", proposed continuously to develop the policy-type agricultural insurance. Under this background, the Shandong Province partial cities (county, area) have independently developed the policy-type agricultural insurance experiment site. in 2006, the Shandong provincial government started the policy-type agricultural insurance experiment site officially, it has after-cropped "about Development Policy-type Agricultural insurance Pilot work Notice", determined that in Linqing, Shouguang, Zhangqiu three city development wheat, the corn, the vegetables big awning and the cow 4 dangers plants the policy-type agricultural insurance experiment site.in 2007, the provincial government after-crops "about Further Expands the Entire province Policy-type Agricultural insurance Pilot work Opinion", expands the experiment site scope, the experiment site county increases to 20, the experiment site danger plants increases to the wheat, the corn, the melons vegetables, the cotton, the apple, the meat cattle and sheep, the cow, live pig , the wheat must choose as the danger plant. in August, 2007, according to the State Council, Shandong Province has carried out the policy performance numerous sow insurance in the entire province scope. For more than one year come, in the experiment site process displayed the question which urgently needed must solve, analyzed these questions and then proposed that solved these question countermeasure appears especially important.After two year experiment site exploration, Shandong Province has grasped the development policy-type agricultural insurance characteristic and the method of work initially, the Shandong agricultural insurance fiscal subsidy mechanism preliminary formation, promotes the agricultural insurance pilot work the organization system preliminary formation, implemented the plan the formation mechanism to respect the countryside truth fully specifically, widely thoroughly propagandized the launch work to win initial success. because our province policy-type agricultural insurance was still at the start stage, in aspects and so on system design also exists many contradictions which does not adapt actually, urgently awaits to be solved (1) the administrative color is quite thick. How does certain experiment site county locate regarding the government in the policy-type agricultural insurance grasps does not permit, in order to complete the pilot task, often layer upon layer decomposes through the administrative order the duty to various villages and towns, the village, the request must complete on time completely, some will even participate in the agricultural insurance and the grain makes up and so on policy direct contacts straight, has violated the farmer benefit. (2) the great disaster risk reserve fund system awaits the consummation. Looking from the present our province policy-type agricultural insurance experiment site situation, the great disaster risk reserve fund's establishment, the collection, the start, the management have not formed the mature mechanism and the means that the great disaster risk reserve fund system is imperfect, unstable. (3)In the experiment site also displayed other questions, like the insured liability and the farmer physical demand had certain disparity, the individual danger planted the insured liability to recognize is quite difficult, farmer populace insurance awareness also quite light and so on..In view of the Question which exists in view of the Shandong agricultural insurance experiment site movement, unifies the Shandong actual situation, consummates the Shandong agricultural insurance experiment site the policy to suggest that mainly has: (1) increases the fiscal subsidy dynamics, expands the experiment site coverage, increases the experiment site danger to plant; (2) utilizes"raises the danger by the danger"the pattern, guides the peasant household to purchase the agricultural insurance; (3) divides the commercial character service and the policy-type service, the solution commercial character company manages the dual services the questions; (4) differentiates the agricultural foundation danger and the agricultural extraneous risks, Prominent agricultural insurance compulsory characteristic (5) takes the great disaster risk the dispersion and the prevention.