An Investigation Report On The Development Of Policy-oriented Agricultural Insurance In Jilin

The issue of agriculture,rural areas and farmers is a fundamental issue related to the national economy and the people's livelihood.As a major agricultural province,Jilin must solve the problem of agriculture,rural areas and farmers.The nineteen major reports pointed out that socialism with Chinese characteristics has entered a new era.This is the era of winning the all round way to build a well-off society.The main contradictions of our country have been transformed into the contradiction between the growing needs of the people's better life and the uneven development of the imbalance.We must adhere to the overall development of the people and the common prosperity of all the people.The development of policy based agricultural insurance will help to reduce the loss of agricultural production disaster,make up for the income of farmers and promote the development of rural economy,which plays an important role in building a well-off society in an all-round way and realizing the "two one hundred years" goal of socialist modernization.Since the development of policy-oriented agricultural insurance,governments at all levels have attached great importance to its development.The central No.1 document for Fourteen consecutive years has taken the lead in setting up a policy-oriented agricultural insurance system,selecting some products and parts of the region,to emphasize and improve the policy-oriented agricultural insurance management mechanism and development model,and to establish a reinsurance system and the establishment of a reinsurance system.The mechanism of catastrophic risk decentralization,to improve the agricultural insurance system,to develop new types of insurance,to improve the system of forest insurance,and to actively explore the loan of agricultural insurance policy,continue to promote the development of agricultural insurance.In 2007,Jilin Province,as one of the national pilot provinces of the first batch of central financial subsidies for agricultural insurance,established the management model of the government led by the government and the agency of the Business insurance company.After years of development,the policy-oriented agricultural insurance in Jilin has been increasing,the scale of premium income is expanding,the service level of insurance companies is increasing and the support of policy is continuously strengthened,but there are also some problems.In order to fully understand the overall operation situation of the policy-oriented agricultural insurance in Jilin Province,from the needs,supply and government three parties to analyze the existing problems,put forward relevant countermeasures and suggestions,and then improve the operational mechanism of policy-oriented agricultural insurance in Jilin province.In this paper,questionnaires,interviews and literature surveys were conducted to investigate farmers' and insurance companies' first-hand data.From the basic situation of farmers,the risk conditions,the cognition and acceptance of policy-oriented agricultural insurance and the evaluation of policy-oriented agricultural insurance,the investigation and analysis of 198 households in 6 regions of Jilin province were completed,and the willingness and ability of policy-oriented agricultural insurance,the management of policy-oriented agricultural insurance,and the risk of policy based agricultural insurance were carried out.Four aspects of management situation and compensation claim are completed,and the management analysis of insurance companies is completed.Based on DEA model,the total amount of financial subsidies and the proportion of financial subsidies in 9 regions of Jilin province for 2014-2016 years are selected as input indicators,and farmers' income,insurance compensation,agricultural insurance density and total output value of agroforestry and animal husbandry are used as output indicators.To complete the performance evaluation of financial subsidies.Through the analysis,it is concluded that the agricultural insurance service system is not sound,lack of effective information publicity and feedback channels,the financial subsidy policy needs to be improved and the conclusion of a perfect risk dispersion mechanism is lack.Therefore,we should improve the service system of agricultural insurance,establish effective information publicity and feedback channels with advanced technology,improve the policy of financial subsidy,establish a perfect risk dispersion mechanism,and give full play to the role of rural financial organizations.