| Agriculture is one of pillar industries that playing an important role in national economy.But in the economic development new normal,how to transform the economic growth pattern and promote structural reform of the agricultural supply policy deeply are the key points to help the "three rural" development rapidly during the "13th Five-Year Plan".The agricultural production of our country will confront two main problems including the natural disaster risk and the market risk during the process of promoting the development of the modern agriculture.As an effective tool of risk management,the generation and promotion of the agricultural insurance guarantee the development of the agricultural industry for many developed or great agricultural countries.Over the years,our country attaches great importance to the development of agricultural insurance and the No.1 documents of the central committee of the CPC from 2004 to 2017 all put forward that establishing a good agricultural insurance system rapidly in order to help the fast rural economic development.Now our country has the distinctive development situation of agricultural insurance in different areas,the main reason is that China has a large territory with different economic development situations and complicated natural and geographic conditions which lead to different areas may face the different risks in various levels.So the primary work to clear the development characteristics of regional agricultural insurance and carry out the agricultural insurance in this basis have a strategy significance to guarantee the agricultural production,increase the insurances of farmers,facilitate the balanced development of the regional economy and realize agricultural modernization.The aim of this paper bases on accurately understand the development characteristics of regional agricultural insurance to the mechanisms and effect that how regional natural disasters affect the agricultural insurance in order to give the reasonable advice which bases on the supply strategy to promote the development of the regional agricultural insurance fast harmoniously and efficiently.Therefore I collect the related statistical data from all the country,and provinces(including the cities and municipality)between 2002 and 2015 to construct the panel data system.And I analyze the development status quo and characteristics of the agricultural insurance from two perspectives including all the country and different regions.In addition I also use the empirical analysis to build the panel data model.So that I can deeply understand the concrete mechanisms and effect that how different levels of regional natural disasters affect the agricultural insurance.The results recover that:(1)the policy-oriented agricultural insurance of our country shows the good situation of high-speed development from 2004;(2)nowadays the main characteristics of the agricultural insurance in our country are different in regional agricultural insurance development and unbalanced development quality;(3)the levels of natural disasters have significant negative influence and show un-coordinated development to the agricultural insurance.According to research conclusions,the policy implications of this article are as follows:(1)building the differential government premium subsidy mechanism and gradually setting up the characteristic financial support system which can reply different types&levels of disasters and suitable for the structure and trend of the regional agricultural development to facilitate the balanced development of regional agricultural insurance;(2)developing the distinctive agricultural insurance products in accordance with local conditions;optimizing the insurance system and further expanding the quality of agricultural insurance;(3)Regulating the supply of agricultural insurance;effectively supervising agricultural insurance supply market and making sure to ensure the effective supply of policy-oriented agricultural insurance. |
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