Theoretical Thinking And Path Exploration Of The Transition Of Soft-shell Turtle Mutual Policy Insurance To Commercial Insurance

Chinese Soft-shell Turtle is the leading aquaculture product in Yuyao,it is the main producing area of China's Soft-shell Turtle industry,known as "the hometown of Chinese ecological turtles",and the aquaculture production value accounts for 60% of the total fishery output value of Yuyao City,it plays an important role in the development of aquaculture in the whole province and even the whole country.To promote the healthy and sustainable development of the Soft-shell Turtle,during the period of 2013~2016,Yuyao City launched the disease mutual policy insurance led by the Ningbo Mutual Insurance Association,in 2017~2018,the commercial insurance model involving the PICC--the turtle insurance index insurance,two insurance models provides strong protection in reducing farming losses and enhancing farming confidence.This paper takes Yuyao Soft-shell Turtle as the research object,through the actual investigation of the farmers,the main responsible person of the relevant fishery department,and the form of visiting the main breeding units,based on the 65 valid questionnaires surveyed,the farmer's real opinion on policy agricultural insurance is obtained from the first-line farmers:A detailed descriptive analysis of the current level of understanding of insurance policies,the willingness to bear the premiums,the reasons for refusing to participate in insurance,and policy adjustments etc.Logistic regression analysis was used to analyze the factors affecting the purchase insurance demand,it was found that insurance demand were affected by the age,education level,breeding period,aquaculture area,aquaculture income ratio,annual loss of aquaculture,and training content 7 factors.The investigation found that the drawbacks of the development of mutual policy insurance for turtle breeding diseases have gradually emerged,the difficulty in exhibition industry caused by capping compensation,the low effective demand of farmers,the rough exploration method,the difficulty in determining the damage,the difficulty in spreading the disaster risk,the high cost and low efficiency.The meteorological index insurance carried out by the farmers because of the limitations of no cap payment,the speed of the damage,avoid moral hazard etc.In order to expand the insurance surface,cover more species,the interests of both large and small households,practically improve the insurance benefits,integrate the problems of mutual policy insurance,put forward the theoretical approach to the transition from policy insurance to commercial insurance,and make reasonable suggestions:(1)Establishing a system of establishment and establishing the concept of "large-scale agricultural insurance";(2)Improve technical support,simple and accurate damage;(3)Flexible use of funds;(4)Strictly check the entry threshold;(5)Establish a reinsurance system to resolve catastrophe risks;(6)Adjusting the financial subsidy sharing mechanism;(7)Cancel "capped payment".