Research On Demand And Model Of Fruit Industry Insurance In Xinjiang

Fruit Industry insurance with risk diversification and economic compensation function. It can help to improve the economic stability of agriculture and increase the capacity of farmers' income. It's an important policy tool to support and protect agriculture. Development of fruit industry in Xinjiang in the nationwide leader, and make full use of the environment, and gradually form a different fruit industry. This article analyzes fruit in Xinjiang face natural disaster risk, production risk and market risk. By grey model GM(1,1) analysis of fruit crop yields sequence data, and the combination of information diffusion theory to empirical analysis,then estimate fruit crop production risk probabilities. To further analyze the types of setting fruit industry insurance in Xinjiang, this article by using the wavelet function method of Xinjiang fruits yield analysis of time series. After a number of wavelet transform, be broken down into different components, low frequencies is the main trends in production, and finally calculate the mutation rates of fruits in Xinjiang and the coefficient of variation. Finally, internal and international agricultural insurance were compared, the characteristics of all kinds of agricultural insurance model, and current situation of development of fruit industry in Xinjiang, favour to the development of fruit industry in Xinjiang fruit industry insurance mode and policy recommendations.Through this analysis, results show that: In the fruit industry of Xinjiang, there is a significant different in the risk of different crops. We found that red dates and peach are the most of production risk,secondly, apples, pears, grapes, apricots are in turn, pomegranate is the least risk. Wavelet analysis of fruit insurance in Xinjiang shows that red dates, apples and other crops have higher risk. But they rarely involve both commercial insurance coverage. Due to the unreasonable risks setting, fruit coverage in the trial period is a loss, has not been recognized by farmers. According to this results,this paper proposes that different fruit crops should be treated differently in production risk prevention.We should set up different levels of insurance subsidies for different fruit crops.We can take regular or irregular manner to assess fruit crop production risks, while strengthening the infrastructure construction of fruit production risk prevention. then constantly improve the risk management system of forestry and fruit industry.And insurers also require furtherreasonable insurance to meet marketdemand, improve the level of forest protection, forest coverage might have a certain appeal for farmers.According to the actual situation of fruit industry development in Xinjiang, we can learn from domestic and international agricultural insurance models that Government-led insurance model and commercial insurance should establish in Xinjiang. Policy of fruit industry insurance company with comprehensive reinsurance services. To promote the healthy development of fruit industry in Xinjiang insurance.