Practice And Application Of Innovation Agricultural Index Insurance

Agricultural production in the face of floods,droughts,typhoons,floods,frost and other natural disasters to the country and the people caused huge losses,while the market risk,social risk,but also seriously affect the health and stable development of agriculture.China's traditional policy agricultural insurance risk in the natural dispersion effect is obvious,but for market risk,social risk,risk can not evade.From the experience of many countries in the world,the index insurance to overcome the moral hazard present in traditional agricultural insurance,adverse selection and the cost of higher defect,China should also actively index insurance research and experimental work,in 2014 the State Council promulgated the "State Council Several Opinions on Accelerating the development of modern insurance services,"clearly states that" three rural insurance to develop innovative ways to support and benefit agriculture,in agricultural target price insurance pilot,explore new weather index insurance products and services,rich agricultural insurance risk management tool." Agricultural index insurance abroad to carry out many years,there have been cases of success and experience,our country in 2009 was the first time the index insurance pilot work,so China should actively learn from foreign experience in development,continuous improvement and development of innovative index insurance in China.This paper first reviews the current development and challenges of policy agricultural insurance,noting the advantages of index insurance,through the development of index insurance in the current situation at home and abroad elaborate,summarize India weather index insurance and development experience in the US hog price index insurance;secondly select Zhangjiagang City,Jiangsu Province,the implementation of the summer Paul pale greens price index insurance as a case,through the investigation and analysis of the research group practice price data showed that vegetable prices index insurance in the market for leafy greens provide risk protection,stability and ease greens market price fluctuations and maintain the supply of vegetables and other aspects play an important role,and concluded on this basis,the vegetable price index insurance pilot requires a combination of government financial strength,and the consumption of vegetables,such as supply and demand,while the use of statistical data analysis and design the Nanjing carry this insurance program;final policy recommendations for the development of index insurance in the summary text and basic literature,summed up the use of futures markets to carry vegetables,pigs and other farm produce price index insurance will be the future direction of the development of an index of insurance.