The Application Of Mutual Insurance In Agricultural Of China

Agriculture is the basic of many industries in our country,and it is of great importance to provide life and raw materials for the national and industry.Agriculture is a weak industry,due to the widely in our country,is located in the temperate and subtropical regions,natural disasters has become the inevitable in the process of agricultural development in our country is a big risk,drought,flood,ice and heavy rains typhoons and other natural disasters,will inevitably brings to the farmers serious economic loss.Crops face not only natural disasters,but also social stratification risks,such as market risks,crop pests and accidents,which affect the development of agriculture.China's agricultural insurance has been in existence since the republic of China,and has undergone several stages,such as trial run,rapid development,rectification and contraction,reprocessing and rapid development.The gradual development of agricultural insurance plays a vital role in protecting the economic interests of farmers.With the development of The Times,innovative agricultural insurance products play an increasingly important role in agricultural insurance.However,the problems of new products are also highlighted in practice.Agricultural insurance products in the market of hone,continuous innovation has gradually formed the rural system of products,by the agricultural extension to the forestry and fisheries,a large number of crops in China are the economic security.Innovative agricultural insurance products plays an important role in the field of risk guarantee,but innovative agricultural insurance products rely on subsidies,only in part area,not the national promotion,is still a pinch of innovative agricultural products.Agricultural insurance products must accelerate innovation to meet the demands of the society.Avoid the limitations of "low premiums,low coverage,increase the degree of security,to expand coverage,effectively to adapt to the new operators on diversification level and guarantee ability put forward higher request,to meet their mass and avoid the need of face higher risks under the high input mode of production,the development of modern agriculture and new operators have essential meaning.The main content of this article is from sugar cane price index theory of insurance of our country agricultural insurance product innovation,mainly divided into the following five parts: this article selects 2016 in guangxi sugarcane price index of insurance as a case,by the point and the surface is introduced the status quo of China's agricultural insurance product innovation,analyses the problems existing in the agricultural insurance product innovation,close to the actual product,for example,the lack of talent,not enough data to support agricultural insurance innovation,etc.This paper introduces the experience of American Indian agricultural insurance innovation products and its enlightenment to China,and selects the experience of weather index insurance,price index and income index insurance operation.Finally,the following innovative countermeasures are proposed: to increase government support,innovate insurance product research and development,and improve the risk diversification mechanism.