Agricultural Insurance Development In Less Developed Areas

Agriculture is our foundation of our country, in the national economy occupies a very important position. As the development of agricultural production and agricultural insurance, agricultural risk prevention, to ensure stable income farmers an important tool for gaining broad community awareness and attention. However, due to various reasons, the lagging development of agricultural insurance, Yunnan province where the southwest frontier in china, the agricultural insurance development was not so satisfactory. Agricultural insurance on the one hand by the Government to promote, on the other hand into a "limited supply, lack of demand," the embarrassing situation.Yunnan is our country’s underdeveloped areas, agricultural insurance started late, the development is weak, and the eastern and central coastal economically developed areas, has obvious complexity and particularity. Because of the special geographical environment and geological conditions, frequent agricultural disaster in Yunnan. The repeated occurrence of disasters to the low income of farmers caused a serious loss of life and property; Shake them up a "development of production" of enthusiasm and confidence.Want to make is located in the border area, economic and cultural levels are not developed in the aspect of agriculture insurance in Yunnan province has a good development momentum, we should learn from the success of national and regional experiences and lessons learned in order to avoid unnecessary frustration Meanwhile, in the actual operation should gradually explored and summarized to meet their own scientific, rational and effective agricultural insurance development mode in Yunnan. In this paper, through the literature research, multi-case analysis and investigation of Yunnan’s policy-oriented agricultural insurance existing difficulties and problems to do in-depth analysis and research, the author puts forward the Yunnan policy-oriented agricultural insurance the development model is typical of government financial subsidies, commercial insurance company agent mode. Meanwhile on the development of policy-oriented agricultural insurance Yunnan raised four issues that need attention:1, emphasis on institution building, improves the policy-oriented agricultural insurance pilot work-related legal documents.2, Strengthen agriculture as the foundation, exploring the development of policy-oriented agricultural insurance Yunnan facts fiscal subsidies.3, step up publicity efforts to develop the system of agricultural insurance awareness programs, really good job in insurance claims services.4, to strengthen catastrophe risk management. Finally reference to April7,2011" Yunnan Provincial People’s Government on the insurance industry to accelerate the development of guidance (draft)" on the establishment of a sound insurance system in rural areas, to develop agricultural insurance should be requested to build a multi-level agricultural catastrophe reinsurance and risk mechanisms, and to improve the policy-oriented agricultural insurance system puts forward three supporting measures.