Analysis On The Development Of Agricultural Insurance Market In The Background Of New Urbanization

Rural insurance industry occupies our economy plays a fundamental role, but also belong to the weak nature of the industry, the rural farmers and small risk exists in life and daily operations inside. Located in the agricultural and natural disasters, one of the most powerful countries in Chinese rural areas is almost ever-present danger. Natural disasters not only brought many agricultural economic losses, but also to engage in large-scale industrial production of many investors hesitant on renewed expansion. Therefore, China’s agriculture is fragile, must have agricultural insurance to promote its development.Agricultural insurance is an important part of the risk management system of agriculture, a variety of agricultural production and management, avoidance, transfer, share, and institutional arrangements to compensate for losses from the accident potential risks. Traced, agricultural insurance is because of the risk to be faced during the production of raw peasants. Production and development of agricultural insurance in China’s more than 80-year history, the beginning of the agricultural insurance inquiry and analysis, without success. Since the founding of New China, the road is bumpy agricultural insurance. First positive attempt to close down in 1958, then in 1982 the recovery of the contractor, recover after a lengthy period of exploration. Transition from recovery to development malaise, embarked on a new round of the ups and downs of the road pilot agricultural insurance development. Now, with the construction of new rural areas, China has gradually established a scientific, professional and new agricultural co-operative mechanisms of agricultural cooperation mechanism. The creation of a new system of agriculture will be a new opportunity for Chinese Agricultural Insurance leaps and bounds. Therefore, security issues facing agricultural development in the new urbanization background research scientific and rational inquiry embodiment, has great theoretical and practical significance. Agricultural insurance and other property insurance is different, it is not a simple private or public goods, but somewhere between the two quasi-public goods. Agricultural Insurance attribute defines agricultural insurance organization and business model different from the general property insurance, the government should play an active role in more important and more influential in the development of agricultural insurance. Explore the development of agricultural insurance in the past always fail, an important reason is that the problem does not recognize the true nature of agricultural property insurance, so quite a few detours.