Analysis Of Insurance Claims For Loss Of Agricultural Disasters

China is a country with frequent agricultural natural disasters, because the economic losses caused by natural disasters to the state and agriculture are enormous. The role of developing agricultural insurance in the spread of agricultural risks is indisputable. Although China's agricultural insurance started late, but in recent years has done quite well. Since twenty-first Century, the central government attaches great importance to the issue of "three rural" makes the establishment of agricultural insurance system as soon as possible to become one of the hot social issues, especially since 2004, the central government for more than ten years in a document to make an important deployment of policy agricultural insurance arrangement, the policy agricultural insurance pilot work have also spread.In the face of the growing development of agricultural insurance market, the insurance claims of agricultural disasters has gradually been valued by people. Agricultural insurance can spread the agricultural risk, provide a strong guarantee, and the timely payment of insurance claims is one of the important ways to solve the farmers' production and life insurance. But it is not to ignore the loss of agricultural disasters insurance claims are facing more and more problems. The implementation of agricultural insurance, claims difficult is not an individual phenomenon.How to solve the problem of agricultural disaster loss insurance claims is the main objective and core issues, this paper is based on the domestic and foreign industry predecessors and scholars, based on the case, from several aspects, according to "put forward the problem- analysis problem- solving problem" idea, to our country at present stage of agricultural disaster insurance claims made a few suggestions. The first part of this paper is to understand the background and significance of the research, and the research status quo at home and abroad, the second part of the basic theory of agricultural insurance claims,including the relevant concepts of agricultural insurance, agricultural insurance claims,standards and norms and agricultural insurance claims process management. In the third part,the main problems of agricultural disaster loss insurance claims are analyzed in the aspects of the technical level, the insurance company, the household level and the management level.The fourth part puts forward the countermeasures and suggestions to solve the problems mentioned above, the main recommendations include the use of high-tech to survey the damage, standardize disaster loss calculation standards, establish and improve the agricultural insurance service system, improve the quality of personnel, training of agricultural insurance company insurance professionals, to establish a return visit, claims service mechanism, thepopularity of agricultural insurance knowledge, correct farmers insurance claims the deviation,as soon as possible to develop and perfect the corresponding legal NCD policies, financial subsidies in place, the establishment of catastrophe risk insurance and reinsurance mechanism,dispersion mechanism and agricultural industry standard industry access and exit system and strengthen the supervision of insurance etc.. The fifth part, combined with the above contents of the future of agricultural disaster insurance claims of the expectations and prospects.Through the analysis of the existing problems of agricultural disaster insurance claims in our country, we can see that, with the development of economy, more and more attention to the agricultural insurance, agricultural insurance to promote and implement, play the effect of the policy of benefiting the agriculture better, play a role in insurance coverage for the people and social stability in affected areas, but not ignore it, nuclear disaster loss of agricultural insurance is an important and difficult problem in the world. China's agricultural insurance started late, so our country's agricultural disaster insurance claims difficult problem is not with a force can be completely resolved. As a complex system engineering, the government and insurance companies need to jointly promote agricultural insurance, so as to achieve mutual cooperation, in order to provide insurance claims service for the insured and the insured timely, accurate, scientific and reasonable.