The Research On Problems Of Agricultural Insurance Development In Hebei Province

Agriculture as the foundation of the national economy, related to people's livelihood and economic development of each country, but with a weak agriculture itself, it is difficult to solve from their own risks from the outside. For countries through investment in agricultural insurance to protect the healthy development of agricultural production, it has become a major means of countries. Since 2007,HebeiProvince, launched policy-oriented agricultural insurance in the province. After several years of continuous exploration, in-depth study and bold practice, we have made some achievements, but the mode of operation, government support policies,regulatory systems, there is still a great lack of catastrophe risk on the mechanism,resulting in a lot of potential risks, these problems greatly affected the process of implementation of the strategy of the rural economy. With the rapid changes in the economic situation, traditional agricultural insurance has been unable to adapt to current agricultural production and economic environment, rural production intensive changes we want to make a more complete institutional policies related to agricultural insurance. How to improve fundamentally agricultural insurance policy, to continue to expand the scope of business of the insurance policy,the development of new business models, to promote the healthy development of the insurance policy, better play to the insurance policy for the prevention of agricultural production, the protective effect is present Origin's thesis research. How to better play the leading role for government policy-oriented agricultural insurance, how to improve the implementation and operation of government policy agricultural insurance, the purpose of this paper is to study.This paper describes the concept of the agricultural insurance policy, citing our existing implementation of relatively large range, features significant policy-oriented agricultural insurance business model, combined with the status quo of Agricultural and rural, analyzes policy agricultural insurance development in Hebei Province has made achievements, as well as in system design, financial subsidies, the regulatory system, catastrophe risk dispersion and other existing problems. By comparing the reference model of US agricultural insurance development, opening the present,France,India and other countries,made some improvement in Hebei Province policy agricultural insurance development model for development proposals. I believe that to further improve the policy agricultural insurance operation mode, you need to play a leading role in the government, through legislation, a clear part of the compulsory insurance, strengthen propaganda to raise social awareness of the people, the establishment of a multi-level policy agricultural insurance organization system and do business between subject and object coordination, improved policy agricultural insurance business model without the support of financial subsidies and tax incentives of government, the need to strengthen the government,business entities,insurance regulatory actions farmers, their behavior is defined in the framework of laws and regulations mode, impeach Shun agricultural insurance regulatory system. The establishment of catastrophe risk fund, the country established a multi-level catastrophe risk dispersion system, to ensure policy agricultural insurance business entities for sustainable and stable development.