| China is an agricultural disaster-prone country, as well as a country whose agriculturalbusiness units (farmers) have a very limited ability to disperse natural risk. China’sagricultural insurance has development a long history and tortuous process, in recent years,especially since2004, China’s policy-oriented agricultural insurance pilot has madepositive progress. Although the business mode of China’s policy-oriented agriculturalinsurance is diversified operations, and also achieves positive results in operations, thereare many obstacles and problems in the various business models, thus, investigating theway of improving and optimizing our business mode of policy-oriented agriculturalinsurance has important practical significance.Based on the theory at home and abroad, the main content of this paper discusses thedevelopment status of the business mode of China’s policy-oriented agriculturalinsurance(Anxin agricultural insurance mode in Shanghai, Anhua agricultural insurancemode in Jilin, Yangguang agricultural insurance mode in Heilongjiang, Guoyuanagricultural insurance mode in Anhui, and Groupama agricultural insurance mode inSichuan), analyzes the existing obstacles and the reasons when operating, and based onlearning the experience of policy-oriented agricultural insurance from various countries inthe world, and according to the development status of China’s national conditions andeconomic, and puts forward policy recommendations to optimize the development mode ofChina’s policy-oriented agricultural insurance. This paper’s main conclusions:The first, the effectiveness of policy-oriented agricultural insurance pilot is moresignificant. Agricultural industries are great influenced by the natural environment,decentralized operation of agricultural production, low market profitability, so theagricultural insurance industry has its national strategic policy. Policy-oriented agriculturalinsurance pilot started lately in China, business modes are diversification in variousregions, and the situation is quite different, but several existing business models have theirown characteristics.The second, the major obstacles and reasons in the business of policy-orientedagricultural insurance: Lacking of effective supply and demand of agricultural insurance, the mechanism to disperse agricultural risk is missing, the dominant and promoting role ofthe government is not obvious, the legal system is not perfect.The third, suggestions to optimize the business model of policy-oriented agriculturalinsurance: speed up cultivating human resources of policy-oriented agricultural insurance,increase the efforts of propaganda of policy-oriented agricultural insurance, introduce ofspecific policies to support policy-oriented agricultural insurance, and to promotelegislation of policy-oriented agricultural insurance actively. |
PDF Full Text Request