| Reclamation Area in Heilongjiang Province is the largest state-owned farm in China,Occupy an important position in the national agricultural system.The healthy and sustainable development of agriculture has a decisive effect on the overall economic stability of the reclaimed areas.Agricultural insurance is an important financial method to deal with risks in agricultural production.Fully analyze the development status and existing problems of agricultural insurance in Heilongjiang Province and propose corresponding solutions has irreplaceable significance to safeguard farmers' income,stable agricultural production and sustainable development of agriculture.This article examines a large number of literatures and policies and regulations,using a combination of quantitative and qualitative methods.The current situation of agricultural insurance in Heilongjiang Province has been fully described and analyzed.It also conducted in-depth research on the subject of agricultural insurance operations in Heilongjiang Province.Concluded as follow: The subsidy policy for agricultural insurance of Reclamation Area in Heilongjiang Province is relatively complete.The subsidy shall be subsidized by the central finance,agricultural(pastoral)farms,or various subsidiaries of Bei Da Feng Agriculture Co.,Ltd.The main business entity is Sunlight Agriculture Mutual Insurance Company.Its type of insurance mainly includes planting insurance,agricultural machinery insurance,cargo transportation insurance,liability insurance,health insurance,property insurance,accident insurance,motor vehicle insurance and other types of insurance.Its main business is planting insurance.In the past five years,the total amount of purchase premiums has reached 816836951.04 yuan.Sunlight Agriculture Mutual Insurance Company is an early company domestic of using remote sensing technology to conduct accurate monitoring of agricultural disasters.Realize digitization of insured block,quantification of agricultural disaster monitoring,dynamic of growth monitoring,informationization of business management.Underwriting and Claiming according to map.Completed the transformation of take policyholder as the core to take insurance block as the core.Innovated the agricultural insurance work model.Protected the legal rights of insurance users and agricultural insurance companies.It became the first hand national agricultural insurance company.Based on a more in-depth description and analysis of the status of agricultural insurance development in Heilongjiang Province.Summarize the current problems specifically: 1)Because of its unique geographical location and climatic conditions,the disaster area of Heilongjiang Province has a high frequency of agricultural disasters;2)The accurate claims system needs to be strengthened in terms of the accuracy of insurance plots,the accuracy of disaster damages,and the efficiency of claims after disasters;3)There is a problem that there are fewer policy-subsidized insurance types and the mutual demand between users and insurance companies is insufficient;4)There is a shortage of agricultural insurance professionals;5)Publicity of agricultural insurance is not in place.In response to the existing problems of agricultural insurance in Heilongjiang Province,combined features of reclamation area,the following corresponding countermeasures are proposed: 1)Enhance the agricultural insurance subsidy policies in the Reclamation Region,including increasing the proportion of crop insurance subsidies and adding new policy insurance;2)Raise the level of science and technology and talent team construction;3)Perfecting the agricultural insurance business system in the reclamation area by introducing local regulations and regulations and introducing reinsurance mechanisms;4)Reduce operational risk,reputational risk and manage risk in the development of agricultural insurance business;5)Increase agricultural insurance publicity through new media channels such as mobile APP and WeChat public platform. |
PDF Full Text Request