Research On Efficiency Evaluation Of Policy Agricultural Insurance In Shandong Province

Since the No.1 central document was put forward for the first time in 2004,the policy agricultural insurance system has been put forward for 16 years.The development process of policy agricultural insurance in Shandong Province is in step with that of China.In 2006,Shandong Province began to pilot the policy based agricultural insurance,and became a national pilot province in 2008.In 2019,Shandong province realized 2.932 billion yuan of premium income,a year-on-year increase of 21.98%.The agricultural insurance provided74.516 billion yuan of risk protection,a year-on-year increase of 18.99%,and paid 1.315 billion yuan of compensation,a year-on-year increase of 25.8%.The number of provincial subsidized insurance types has reached 44.The coverage rate of property insurance reaches75%.During 2006-2019,the policy oriented agricultural insurance in Shandong Province has made some achievements.By 2019,the guidance on accelerating the high-quality development of agricultural insurance has put forward high-quality development requirements for the development of China's policy-based agricultural insurance.The policy-based agricultural insurance has entered a period of high-quality development and needs to achieve a qualitative leap forward.The main contents of this paper are as follows: firstly,to determine the nature,objectives and theoretical basis of the policy-based agricultural insurance;secondly,to study the division of the historical stages and the basic status of the development of the policy-based agricultural insurance in Shandong Province;thirdly,to study the index design,the status and the index change of the security efficiency,the development efficiency and the financial subsidy efficiency of the policy-based agricultural insurance in Shandong Province,to use the polynomial function to predict the depth and density of policy-based agricultural insurance,and to use DEA model to calculate the premium subsidy efficiency of policy-based agricultural insurance in Shandong Province;fourthly,to study the evaluation system and index changes of comprehensive service efficiency of policy-based agricultural insurance in Shandong Province,to use entropy method to calculate the index number of evaluation system,and to use TOPSIS for comparative study;fifthly,to study the policy-basedagricultural insurance and agricultural insurance in Shandong Province based on the panel data of 17 cities in Shandong Province from 2008 to 2018,the paper uses random effect and fixed effect to test the externality effect;sixthly,to study the inter provincial differences of policy agricultural insurance between Shandong Province and all regions of the country;seventhly,to put forward countermeasures and suggestions.Through the study of the above problems,this paper has the following conclusions:firstly,the development of policy-based agriculture in Shandong Province is divided into four stages,it is in the period of high-quality development of policy-based agricultural insurance;secondly,the overall security efficiency of policy-based agricultural insurance in Shandong Province is high,and the development efficiency is low.In 2018,the depth and density of agricultural insurance in Shandong Province are lower than the national level.It is predicted that by 2022,the depth of agricultural insurance will reach 1% and reach the national goal.The density of agricultural insurance will be 316 yuan / person.According to the current development speed,it is difficult to reach the national level.Thirdly,the operation efficiency of financial subsidies of the government of political agricultural insurance in Shandong Province is low and the efficiency of agricultural insurance management system is low.It is not suitable for scale efficiency and needs improvement;fourthly,the paper designs a set of index system for comprehensive service efficiency of policy-based agricultural insurance,including three first level indexes,including policy-based agricultural insurance security efficiency,subsidy efficiency,development efficiency,and 15 second level indexes,including security scale,security breadth,security depth,agricultural insurance leverage,government financial subsidy proportion and government subsidy leverage composition,compensation rate,benefit rate,unit premium compensation amount,use efficiency of premium subsidy funds,transfer payment rate,income redistribution rate,financial investment intensity,agricultural insurance depth,agricultural insurance density,etc.;fifthly,entropy method and TOPSIS method are used to calculate the comprehensive service efficiency index of policy agricultural insurance in Shandong Province.The efficiency index develops steadily,the efficiency index of policy-based agricultural insurance subsidy in Shandong Provincedevelops zigzagly.The development efficiency index of policy-based agricultural insurance in Shandong province keeps rising and changing,and the comprehensive service efficiency of policy-based agricultural insurance in Shandong Province changes zigzagly,with an overall rising trend.Sixthly,the value of policy-based agricultural insurance has a positive effect,the marginal effect is greater than the effect of other agricultural supporting policies,and the policy agricultural insurance premium subsidy in Shandong Province has a certain external effect;seventhly,the depth and density of policy agricultural insurance in Shandong Province are at the level of the middle and lower reaches of the country,and it needs to learn from the agricultural insurance development experience of provinces with high exhibition level.This paper designs an objective and feasible evaluation index system for the efficiency of policy-based agricultural insurance,which is the supplement and enrichment of the research on the efficiency of policy-based agricultural insurance and an improvement of evaluation policy tools and methods.