| The traditional agricultural insurance in the product design, operation and management etc. there are many problems and shortcomings, resulting in agricultural production and meet the security needs of the wind scattered agricultural risk unsatisfactory. In contrast, the agricultural insurance products as the index of agricultural risk management tools emerging, it has obvious advantages. The index of agricultural insurance products in the world get more and more attention, and more and more countries have started research and pilot promotion. But the agricultural insurance index also has its own shortcomings and development dilemma, such as the basis to avoid risks, necessary policy support and other difficulties, many scholars have devoted to the theory and practice. The main products from the view of products, through to our country agricultural insurance index of main products analysis and research, from the product and the policies of the two layer On the face of the agricultural insurance index products, we hope to put forward some suggestions to optimize the agricultural insurance index products, so that it can play a greater role in agricultural production in the future.This article mainly from the view of products, the first development of the agricultural insurance index products to China are described, and then analyze and Research on the representative index of insurance products, insurance in Anhui Changfeng county meteorological index of winter wheat as an example includes product, price index of insurance products in large Chinese cabbage in Shandong Province, Feicheng city as an example, the winter wheat in Beijing as an example of the yield index of insurance products; secondly, this paper expounds the characteristics of China’s agricultural insurance index product main risk characteristics, the risk characteristics of products mainly from the regional, periodic, four aspects of seasonal and systematic expansion third, from the product design; layer and operation layer were summarized and analyzed the defects of China’s agricultural insurance index products; fourth, analysis of the outstanding achievements of foreign agricultural insurance products index, is expected to provide a reference for domestic insurance index development; finally, in view of our country agricultural insurance index products, the existence of defects, respectively from the cultivation of market demand, product research and development efforts, improve risk management mechanism and improve government efforts to support the four directions proposed suggestions for the optimization of our country agricultural insurance index products. |
