Research On The Development And Countermeasures Of Agricultural Insurance In Sanming City

As an agricultural country, agriculture is the foundation of the national economy in our country, the problem of "agriculture, rural areas and farmers" has always been concerned, the party and government reform, promoting development and to implement various policy to the vast rural areas and farmers, is an important work for the party and the government, but drought, rainstorm, flood, typhoon, hail, the natural disaster such as mud-rock flow often threaten the normal production of agriculture. As a kind of agricultural insurance of agricultural risk management tools, has spread the risk of agricultural natural effect, is an important part of national agricultural support protection system, to improve the agricultural ability to resist risks, to protect agricultural production safety, to maintain stability, promote rural economic life in order to build a new socialist countryside construction has the very vital significance. Therefore, the implementation of good agricultural insurance development is the key point to solve the problem of "agriculture, rural areas and farmers" in China, is the socialism new rural construction development important guarantee. Of agricultural insurance, therefore, research on difficulties existing in the current situation of the development, put forward the countermeasures to solve the problem, find a suitable for sanming practical agricultural insurance development pattern, has the extremely important significance. The current China’s agricultural insurance is still hovering in the trough, sanming city, especially the overall level of the development of agricultural insurance is low, so far, sanming agricultural insurance development exists many problems, the traditional framework of agricultural insurance is still play a leading role, agricultural insurance on system innovation, faltering, thus become the bottleneck of development of agricultural insurance.In recent years, based on the situation of fujian province and agricultural, introduce the development of agricultural insurance "three rural" work, as a way of agricultural economic compensation system innovation, increasing government investment, give full play to agricultural insurance functions. Sanming as the important agricultural production in fujian province, is located in the mountains, natural disasters occurred frequently, how to improve the ability to resist risk of agricultural production, need to develop the agricultural insurance. But as a result of sanming agricultural insurance development is relatively backward, and there is insufficient effective demand and effective supply, insufficient government support, few professional talents and so on many difficulties and problems, especially in sanming city, to promote agricultural insurance development study hardly, as a result, the main objective of this study is:by understanding and mastering of sanming agricultural insurance development and the status quo, on the basis of analysis of sanming city in the main problems existing in the development of agricultural insurance, learn from experiences made at home and abroad in the process of development of agricultural insurance, combined with the actual situation of sanming, puts forward the countermeasures and Suggestions of sanming city, the further development of agricultural insurance.In this article, through access to statistical yearbook statistical yearbook, sanming, fujian province sanming city, and the insurance industry association of calendar year insurance statistics about agricultural insurance; Access and visiting the relevant government departments, insurance companies, farmers, etc.; From personnel of course of discussion with the insurance company, a thorough understanding of sanming city agriculture insurance development course and status quo, analysis of sanming city, this paper expounds the main problems existing in the development of agricultural insurance, and to analyze the reasons of problems, from the government at the same time, the underwriter (insurance company), the insured (farmers) and so on three aspects, the Suggestions to consummate the sanming agricultural insurance system, build efficient agricultural insurance mode, strengthen the management of insurance companies, improve the supporting measures of agricultural insurance farmer participation in agricultural insurance and expand the countermeasures, in order to promote the sanming smooth and stable development of agricultural insurance.