Research On The Innovation And Innovation Of The Dispersed System Of Agricultural Insurance Catastrophe In Yunnan Province

The building of the guarantee system of agriculture is the most important part of rural financial system. Agricultural catastrophe characteristics of compensation of damage with a significant, agriculture claim compensation to bring large pressure, at present, all countries in the implementation of agriculture insurance attaches great importance to build a set of effective agricultural risk dispersion system, to ensure that agricultural insurance management robustness, the implementation of the guarantee insurance economic compensation function. This paper is the some cases investigated by the author’s experience insurance company and the province’s agricultural planting risks compensation of losses, detailed instructions on how to spread all kinds of catastrophe risk system organic combination with actual accident treatment method. To the agricultural insurance catastrophe risk management, elaborates the relevant theories and analysis and combining the international agricultural insurance catastrophe risk management practice and enlightenment, it is easy to find frequent agricultural catastrophe risk and serious disaster losses and expanded, determines the main body of any single, disperse the risk of any single method is difficult to really solve the problem, so from the objective need to build a multi-level and diversity, more holistic risk dispersion system. Agricultural catastrophe risk management that is through the use of various risks of the agricultural catastrophe risk management tools and means of effective risk control and management, in order to achieve maximum limit to avert catastrophe losses.According to certain agricultural insurance catastrophe insurance company case analysis shows that the combination of agricultural insurance catastrophe risk management situation of yunnan province, yunnan province is put forward agricultural insurance catastrophe risk decentralized management system the main content of the innovation system, and to apply innovation system on the main agricultural products in yunnan province; Actively to improve and promote our province agricultural insurance catastrophe risk management. First, you need to support and participation of the government, perfecting the laws and regulations and agricultural catastrophe insurance risk management regulation, to keep with the insurance company and the legitimate rights and interests of farmers, agricultural insurance catastrophe risk dispersion system implementation and standardization makes the agricultural insurance catastrophe risk fund raising, distribution, and supervising the use of laws, and to give capital support and tax cuts; Second, the construction of agricultural catastrophe risk fund, as soon as possible to gradually improve the central and local fiscal support of agricultural reinsurance system, introduce nationwide catastrophe risk disperse mechanism, and multilateral cooperation actively accumulated agricultural insurance catastrophe risk fund, constructing multi-level and diversified agricultural insurance catastrophe risk disperse mechanism, ensure the steady development of agricultural insurance business; Finally, with reference to foreign mode, take a certain way to enforce or encourage farmers insurance, agricultural insurance catastrophe risk management situation must be changed.