Agricultural Scale Management Main Body The Demand For Agricultural Insurance Research

Agricultural development is related to the safety of grain production in China, as a big agricultural production country, our country suffered some degree of natural disasters every year, the agricultural insurance can provide risk guarantee for China's agricultural production, make up for the economic losses of agricultural producers encountered natural disasters. Agricultural insurance in our country began in the early, due to political factors, the agricultural insurance has experienced 20 years of blank period, agricultural insurance business in 1982, returned to normal. Since 2006, China began to implement agricultural insurance subsidies policy, the central government subsidies of agricultural insurance coverage has been developed from the initial 6 to 24 kinds of now, management of agricultural insurance company from the original of the people's insurance (property) company of China increased to 25, now. In 2013, China promulgated the agricultural insurance ordinance, marked the our country agricultural insurance business, there are laws for the development of agricultural insurance market to the good development path has played a great role in promoting. But the process of development of agricultural insurance also exists some problems, such as farmer dispersion is one of the important problem restricting the development of agricultural insurance in our country. Traditional way of small farmer, against the insurance company to save transaction cost, also go against the insurance company to improve the efficiency of the survey fee. Small farmers and agricultural insurance demand is weak, is not conducive to increase the effective demand of agricultural insurance market. Only by small farmers for the insurance premium income of insurance companies is limited, some insurance companies are because loss ratio is too high to start out of agricultural insurance market. Agricultural insurance insufficient effective demand leads to the weakness of the market supply of agricultural insurance, the development of new agricultural insurance products also lags behind that of countries such as Japan, the United States and Canada.With the progress of agricultural modernization in our country, have begun to emerge out of the family farms, cooperatives and leading enterprises such as agricultural scale management main body, the main body of the demand of the agricultural insurance started by a single small farmers to agricultural scale management main body. These scale operation risk awareness of the body is stronger, there is strong demand for agricultural insurance. In addition to the demand for traditional agricultural insurance, agricultural scale management subject to the price index of agricultural insurance, yield and income-producing agricultural insurance also to have certain requirements, for the development of agricultural insurance market further created favorable conditions. Agricultural scale operators generally have good economic foundation, to the agricultural insurance purchasing ability is better than general small farmers, can boost demand for agricultural insurance market to a certain extent, to improve China's agricultural insurance market, the situation of insufficient effective demand.The background, this paper first analyzes the agriculture agricultural scale management main body what are the changes in the agricultural risk, and analysis of the agricultural insurance demand influence factors in what are the different before and after the agricultural scale management. Then from the Angle of the sample data and individual case of sichuan province, using the qualitative analysis, the analysis of agricultural scale operation subject to the demand of the agricultural insurance. Then the article also analyzes the agricultural scale operation to bring positive impact on the development of agricultural insurance, and combed the agricultural scale operation under the background of our country agricultural insurance major, what are the problems at the end of the paper combining with the experience of other countries to develop agricultural insurance, put forward policy recommendations conducive to the development of our country agricultural insurance market stable.n this paper, the main conclusions are:(1) agricultural scale operation to make closer links with the market, an operator of agricultural scale operation of the main body of the risks faced by a single natural risk to the policy risk, market risk and the risk of default. Compared with individual small farmers, agricultural scale operators need more agricultural insurance to provide risk guarantee for them;(2) through the analysis of the level of agricultural scale operation of agricultural insurance demand situation, found that their cognition of agricultural insurance is higher than the individual farmers, their risk consciousness is stronger than individual farmers. Agricultural scale management and the main body of new agricultural insurance products, such as price index insurance type agricultural insurance, agricultural insurance and agricultural insurance ChanLiangXing income-producing also exists certain requirements;(3) based on the analysis of individual agricultural scale operation in sichuan province main demand for agricultural insurance situation, found that individual agricultural scale by the main body has the high risk consciousness, the compensation for loss of agricultural insurance effect more. But they know agriculture insurance channel is unitary, they mainly through the village cadres to agricultural insurance. And large-scale farmers face the risk of higher than the large scale farmers, aquaculture insurance loss ratio is higher than the crop insurance loss ratio;(4) On the one hand, the agricultural scale operation have created favorable conditions for the development of agricultural insurance, such as save the insurance company's operating costs, reduce to relieve the moral hazard problem and promote commercial agricultural insurance, etc. Agricultural insurance development, on the other hand, also faces many new challenges, such as the unit of insurance company accept insurance risk, whether to impose the difference agricultural insurance rates and for the development of new agricultural insurance coverage problems such as lack of professional talents.