Study Of China's Policy Of Agricultural Insurance Legislation

Agricultural insurance claims, high risk, has the characteristics such as high cost, and implementation of adverse selection and moral hazard, commercial insurance company would not accept insurance, agricultural insurance business, the shrinking market failure problem, the government should play regulating functions, implementation of adjustment and intervention is very important. In this paper that the policy-oriented agricultural insurance development is the fundamental solutions to market failure problems, establish the most effective way to agricultural insurance is the legal system of agricultural economic development is an important legal protection.With the policy-oriented agricultural insurance legislation work starts, the policy-based agriculture insurance legislation also be theoretical research and the focus of attention. Based on this, this paper studies and empirical research, the system of our country, and study the policy-oriented agricultural insurance legislation making a comprehensive and in-depth analysis, to establish a suitable for China's national conditions, to push the development of agricultural economic and legal system of agricultural insurance.This subject is divided into two parts:The first part:"the agricultural insurance and government intervention, reviews the history of the development of China's agricultural insurance development status and progress. In the development of agricultural insurance is the main problems faced in the supply of agricultural insurance of commercial market regulation failure. Imbalance, Therefore, the agricultural insurance market development needs the government intervention. Government intervention for government subsidies and development of agricultural insurance, one of the major agricultural insurance development is established, the policy-based agriculture insurance in legal system.Part 2:"Chinese agricultural insurance legislation system", in clear goal, the legislative orientation and legislative principles of legislation, on the basis of the policy-based agriculture insurance in accordance with the legal relationship of object, content and logical relationship, puts forward the policy-based agriculture insurance in legal system elements are the policy-based agriculture insurance company, agricultural insurance regulatory commission, agriculture and agricultural insurance, reinsurance institutions and related subjects, policy-holder is the legal relation and legal behavior is analyzed.This innovation is based on the basic theory of law, the research paradigm has works, centering on agricultural insurance law system construction "policy" and "government intervention," the core content, will put the policy-oriented agricultural insurance system of agricultural policy finance to study.