Research On China's Policy-oriented Agricultural Machinery Insurance

With the continuous deepening of reform and opening up, China's rural reform has achieved remarkable success. A large number of peasants to purchase and use of agricultural machinery, agriculture and rural have entered a new stage of development. The social phenomenon of a general shortage of supply of agricultural products to be radically reversed, the peasants'income general increased and the peasants began moving from subsistence to the well-off society. agricultural mechanization can contribute to agricultural standardization, scale and industrialization, improving competitiveness of agricultural products and the comprehensive agricultural production capacity. It is not only advanced production tools and instruments, more importantly, but also a modern engineering technique to improve the content and the level of productivity of agricultural science and technology. It is helpful to promote the rural industrial structure adjustment and let the peasants get rich. It is also an important factor to promote the industrialization process of agriculture. In this context, agricultural machinery insurance products, to agricultural mechanization and industrialization, have become increasingly prominent role in the protection and promotion.Make a general survey of China's agricultural insurance, the development of ups and downs, particularly in the development of insurance products, agricultural machinery market is still blank. As the government paying much attention to the "three rural" issue seriously, agricultural insurance has entered a new round of the pilot phase since 2005. However, agricultural machinery insurance still emerged in the embarrassing situation in terms of shortage of both supply and demand. But we also pleasantly surprised to see that the "government support to promote and market-oriented operation" establishment of Shanghai Anxin model system and the agricultural mutual insurance company in Heilongjiang sun mode, agricultural machinery insurance pilot project has achieved some success, and from these successful experience behind, we found that the agricultural insurance demand increases when the local market economy and the industrialization of agriculture has reached a certain level. The agricultural machinery insurance, as the institutional arrangements, is effective in reducing the property loss of agricultural machinery at risk and the smooth resumption of agricultural production.Based on this situation, this article analyzes the main factors affecting and restricting the development of agricultural insurance. Combined with the current reform of agricultural insurance in the typical case, it explores ways to further promote and facilitate China's agricultural machinery insurance. The thesis is composed of five parts:The first part is the foreword, which defines the agricultural machinery insurance in the general agricultural insurance, and describes the purpose and significance of the research, research findings both at home and abroad, basic train of thought and logical structure, etc.The second part is the definition and analysis of the agricultural machinery risks. At First, it analyzes on the composition and risk type of agricultural machinery, defining the paper discussing mainly the static risk analysis of agricultural machinery. It further focuses on the characteristics of agricultural machinery risk as the general agriculture risks, different from the traditional agricultural risk and different from urban operations.The third part is China's agricultural machinery insurance development and evaluation. It Introduces China's agricultural insurance and agricultural machinery insurance development in context and current status, followed problems arise from the characteristics of the agricultural insurance itself, analyzes the difficulties and problems encountered during the process. Then it is the case study and experience inspiration. It mainly utilizes comparative analysis on the cases of Shanghai Anxin mode and Heilongjiang sunlight patterns. Followed is a detailed analysis of taking advantage of the agricultural industrialization organizations to obtain good results from specific implementation programs. Based on these facts, this part sums up the experiences for the reference of China's agricultural machinery insurance development.Partâ…£:The first level is the relationship between agricultural insurance and agricultural industrialization. The two above have a positive correlation. There's neither developed agricultural insurance at the lower level of agricultural industrialization, and nor the well-developed agricultural insurance at low level of agricultural industrialization. The second level demonstrates that the general trend of agricultural mechanization development in China requires the establishment of ancillary insurance system from three aspects:1, agricultural mechanization plays an irreplaceable role in the process of the agricultural industrialization; 2, agricultural mechanization has been strongly supported by the Government and financial subsidies; 3, China's agricultural mechanization has entered the intermediate stage of development. This leads to the third level, the necessity and urgency of the establishment of agricultural machinery insurance system:1, the special nature of agricultural machinery operation determines the specificity of the risks of agricultural machinery and the insurance policies; 2, the vulnerability of agriculture industry determines the low profitability of agricultural mechanization, and in turn determines the policy-oriented character of agricultural machinery insurance; 3, the farm machinery users are peasants, the business is related to agriculture,and benefits in rural areas. It, determines the need for government's involvement in agricultural insurance.Partâ…¤:Based on the above analysis of the problems and reasons, it proposes to promote policy-oriented agricultural machinery insurance program ideas and policy proposals. It stresses that four aspects of Government support, an active market, product design and mode of operation are foci to breakthrough.Innovations of this article is that, in addition to drawing from a wealth of agricultural insurance and transport insurance documents and records, it is also based on the different structure of income and expenditures between China's current urban-rural residents, on the status of literacy and on the development trends of agricultural mechanization and agricultural industrialization. From the entire section of a sustained and healthy development of agriculture industry, stresses the necessity and urgency of development of agricultural machinery insurance, and points out the development path. That is, by strengthening the Government's support and guidance, vigorously develop industrial management of agriculture, while taking technological advantage of various types of agricultural organizations and professional commercial insurance companies, and ultimately provide the necessary institutional guarantee to promote China's agricultural mechanization and agricultural industrialization.