Research On The Management Patterns Of Mutual Agricultural Insurance In Heilongjiang Reclamation Area

Heilongjiang Province,As China’s the most important commodity grain base and strategic grain reserve base which transfers the largest amount of grain, has a significant role in ensuring national food security and agricultural development in China. Meanwhile it locates in the northern border of China, this area has a wide range of natural disasters with high frequency.which has a significant impact on the agricultural development in Heilongjiang.And agriculture as the foundation of the national economy, is highly related to economic development, social stability and national self-reliance,and yet agriculture also determine-its own characteristics with weakness,which means it needs more investment,has longer cycle and poorer immunity of natural disasters and market risk.Therefore, in order to improve the ability to resist risks in agriculture, we need to put great efforts into agricultural insurance.This paper is divided into six chapters in total.This paper introduces the basic concepts and theories related to this article.It introduced the system of mutual agricultural insurance and mutual agricultural insurance system business model concepts.analyzes the basic theory of agricultural insurance,compares the similarities and differences of the mutual agricultural insurance business model and other business models.and compared the mutual agricultural insurance system mode and the similarities and differences of other agricultural insurance business model,and then analyzes the strengths and weaknesses of mutual agricultural insurance. Second. It described the development status of the system of mutual agricultural insurance in Heilongjiang Province, the business model From the development process, construction and operation of the status quo situation and relevant laws and policies of the system of mutual agricultural insurance business model in Heilongjiang Province, which concludes that mutual agricultural insurance system in Heilongjiang has following issues:organizational structure is not standardized, imperfect laws and regulations restricting the development of the business model,"tripartite raise" not implemented the new model in place premiums, lack of ability to deal with catastrophic risk and capital and size restrictions.In this regard, we need to learn from the developed countries.This paper analyzes the experience of mutual agricultural insurance in France and Japan.Based on the experience in establishing mutual agricultural insurance business model in both countries.this paper summarizes some inspiration for China’s mutural agricultural insurance,in order to take full advantage of insurance company in mutual agricultural insurance business model.Through the analysis above,to better evaluate the overall efficiency of the mutual agricultural insurance business model in Heilongjiang Province since2005,choosing12evaluation indexes from the economic benefit,social benefit and ecological benefit,and established an indicator system of the comprehensive benefits of the business model.The multi-level gray appraisal model was used to analyze the mutual agricultural insurance business model,which focused on the evaluation of the mutual system in Heilongjiang reclamation area of economic, social and environmental benefits of agricultural insurance business model in all aspects of the reclamation area of agriculture, social life, and the results showed that after the implementation of the mutual system of agricultural insurance, agricultural insurance Reclamation on agricultural production and social life economic, social and environmental benefits, comprehensive benefits increase every year.According this,we can propose some effective countermeasures:To standardize the system of mutual agricultural insurance business model of subject behavior, establish an effective risk-sharing mechanism, improve the system of mutual agricultural insurance subsidies and fiscal policies, improve the management mechanism of agricultural mutual insurance companies give full play to the role of mutual agricultural insurance system, promote China agricultural insurance system.