Research On The Development Of Agricultural Insurance In Henan Province

Henan province is the rural population accounting for more than 60% of the agricultural big province, for henan province, the steady development of agriculture, rural prosperity,progress and the increase of farmers’ income, directly affects the improvement of the living standards of farmers in our province and the realization of a well-off society. Under no full protection of agriculture, "the great Chinese" phenomenon is serious,which suggests that the agricultural insurance as an agricultural risk disperse mechanism and the importance of agricultural development safeguard mechanism. From the perspective of farmers, agricultural insurance can effectively prevent and scatter various agricultural risks, and improve the ability of disaster quickly restoring agricultural production, which guarantees the farmers’ income; From the point of view of government, agricultural insurance can reduce the burden of the government disaster relief, perfecting market mechanism, thus promotes our country agriculture to develop in the direction of modernization, specialization and scale.In recent years, rapid progress in the development of agricultural insurance in henan province, has made gratifying achievements and great progress, but at the same time we should be acutely aware that at present the development of agricultural insurance in our province still lags behind the demand of the agricultural development in our province and speed of the development of the insurance industry, and also has some problems and shortcomings in the process of development to be solved, for example, the agricultural insurance in China started late, foundation is bad, and the covering area is small, which leads to the agriculture insurance guarantee not plays effectively; Danger is planted innovation ability insufficiency,and the relevant talent is in short supply; "Appeared in the process of development of agricultural insurance policy in place, implementation does not reach the designated position" of the common and difficult to put an end to the phenomenon, and so on, based on this, this article takes the agricultural insurance development in henan province as the main research object, strengthening the opportunity of the development of the agricultural risk consciousness and suffering consciousness, to speed up the implementation of the central file spirit, responded to an appeal by the government and comply with the demand of economic development trends, speeding up resolution of the problems existing in the agricultural insurance development process, through the development of agricultural insurance in henan province data and data analysis, targeted to find problems and discusses the view of the problem and countermeasure, finally realizes the steady advance of the agricultural insurance in our province.This paper is divided into five parts altogether, the first part first introduced the research background and research significance of this topic, analyzes the agricultural insurance operation environment; Secondly, briefly and analyzes the present agricultural insurance related theory research; Finally summarizes the structural framework and the innovation of this article.The second part is an overview of henan agricultural insurance development,mainly introducing the nature of the agricultural insurance, as well as the status quo of henan agricultural insurance development, and then according to the current premium insurance situation in henan province, the income and pay to the agricultural insurance development presents situation of henan province and analysis, the SWOT matrix analysis method, the development of agricultural insurance in our province’s strengths, weaknesses, opportunities and threats made clear analysis.The third part is the development of agricultural insurance in henan province problems existing in the process of analysis. This part of the second part is mainly based on the analysis of the current situation of the development of agricultural insurance in henan province to conclude that the current development of agricultural insurance in henan province there are some restricts the sustainable development of agricultural insurance in henan province: at present our province in order to restrict the agricultural insurance to individual units of production scale, planted a lack of innovation and development of the pattern is not sound, the existence of adverse selection and moral hazard, catastrophe risk transfer mechanism is not sound and agricultural insurance service system not perfect and so on.The fourth part is the study of foreign agricultural insurance development pattern and reference, Japan and the United States are introduced to show the development of agricultural insurance system, and through the analysis, it is concluded that it can draw some lessons.The fifth part is according to the problems presented in the third part and the fourth part of foreign agricultural insurance development pattern corresponding countermeasures are put forward, in order to promote the development of agricultural insurance in our province and progress.The sixth part is a summary of this paper and based on the current development environment of agricultural insurance in our province insurance development outlook.Through this article I hope to put forward the problems in the process of development of agricultural insurance in our province countermeasures, so as to promote the stable development of agricultural insurance in henan province, and promote the improvement of agricultural productivity, make the agricultural insurance is the escort of henan agricultural development better.