The Research Of The Policy Agricultural Insurance Of Hubei

As the first industry,agriculture is the basic industry of a country's economic development.The healthy development of agriculture will be transmitted to industry and service industry,which will affect the development of the whole economy.With the rapid development of economy and society and the improvement of science and technology,human's ability to resist natural disasters has increased.The establishment of agricultural insurance to resist and disperse the risk of agricultural production,reduce the loss of disaster and stabilize the agricultural production has now become an important part of the agricultural policy system in many countries.Agricultural insurance has the nature of quasi public goods,and the market of agricultural insurance is out of order.Therefore,the development of agricultural insurance is deeply influenced by government intervention.At present,agricultural insurance in various countries is the mainstream of policy based agricultural insurance.Different countries and different stages of agricultural development,agricultural insurance should adapt to the development of agricultural development.At present,the development of agriculture in China,on the one hand,faces the "hollow village" and the waste of land.On the other hand,the new agricultural economic cooperative,the rise of agricultural companies,the development opportunities and challenges of agricultural modernization coexist.The implementation of policy based agricultural insurance is of great practical significance to increasing the income of farmers and increasing the efficiency of agriculture.At the same time,the perfect policy based agricultural insurance system has a very important strategic significance in ensuring national food security and promoting the coordinated and sustainable development of the national economy.At present,the system of agricultural insurance in Hubei is not perfect,the agricultural security system is not perfect,and the effectiveness of government subsidies has not yet produced the biggest effect,and the innovation power is insufficient.Through the analysis of the present situation of the development of the policy based agricultural insurance in Hubei Province,this paper explores the main problems and causes in the development of agricultural insurance,and finds out the development mode of agricultural insurance with the characteristics of Hubei Province,which will stabilize the agricultural production in the province,increase the income of the farmers,accelerate the construction of the new countryside,and promote the better and faster and more stable and quicker modern agriculture.Development is of great significance.This article is divided into six chapters: the first chapter is the introduction.Mainly from the research background,research significance,literature review and so on,the agricultural insurance is briefly introduced.The second chapter is an overview of agricultural insurance.The basic concept and classification of agricultural insurance,the characteristics and functions of policy oriented agricultural insurance and the development course of agricultural insurance in China are mainly summarized.The third chapter is the development status of agricultural insurance in Hubei province.According to the collected data,the basic operation of agricultural insurance in Hubei province is understood from the aspects of insurance,insurance,financial subsidy,claim and service network,and its development effect is analyzed from the aspects of agricultural insurance coverage,agricultural risk resistance ability,financial support for agriculture,and farmers' awareness of insurance.The fourth chapter is about the problems of agricultural insurance in Hubei province.This paper mainly analyzes the main problems of agricultural insurance in Hubei province from the aspects of Hubei agricultural insurance attention,farmers' insurance intention,agricultural insurance system,agricultural insurance guarantee level,agricultural insurance insurance,the degree of specialization of agricultural insurance management,and the effect of agricultural insurance policy implementation.The fifth chapter is about the development experience of policy oriented agricultural insurance at home and abroad.Through the analysis of the typical model of the development of foreign agricultural insurance and its successful experience,the development of agricultural insurance in Hubei is guided by the development route of the major agricultural provinces which are more leading in the development of other agricultural insurance in China.The sixth chapter is the countermeasures and suggestions.Through the analysis of the above problems,the corresponding countermeasures and suggestions are put forward for the problems in the development of policy oriented agricultural insurance in our province.