The Development And Mode Selection Of Hunan Agricultural Insurance

Abstract:Nowadays with the prompting of modernization, China’s urbanization level is still very low, according to the sixth census data, the proportion of urban and rural population, is respectively49.68%and50.32%%, country, agriculture and farmers has always been the fundamental issues of China’s economic and social development. Agricultural insurance as a solution to the "three rural" issue an important financial tool, the insurance’s healthy development is directly related to the vital interests of the peasant masses, related to rural economic and social development, related to the improvement of the quality of life of farmers and rural social progress, is the focus of China’s insurance.However, although since2007Hunan’s regulation of the development of agricultural insurance has made great achievements, the "hard underwriting fees, survey claims is difficult, claims the home difficult" predicament of agricultural insurance, agricultural insurance has plagued the development. Compared to developed countries, Hunan agricultural insurance has lagged. In order to ensure the sustainable development of agricultural insurance in Hunan Province. We need to break the shackles of reality, Hunan must select a sound situation of the province and is suitable for the development of agricultural insurance model. This paper based on insurance status and rural Hunan province the problems, through a summary of the current model of agricultural insurance of China and abroad, exploring the advantages and disadvantages of various agricultural insurance models, thus Hunan agricultural insurance mode selection and perfection of the adjustment and improvement of agricultural insurance organization and management structure, improve the access and exit mechanism, enhance the level of agricultural insurance coverage recommendations and constructed in Hunan distinctive agricultural insurance model for the further deepening of Hunan agricultural insurance development, accelerate the transformation of agricultural insurance services to provide a new reference.