Research On The Legal System Of Agricultural Insurance Financial Subsidies

The release of the No.1 Document of the Central Committee in 2017 explained that the main contradiction of China’s agricultural development has changed from a lack of total to a structural contradiction,which has laid a direction for the new development path of China’s agriculture.As a big agricultural country,agriculture has always been the lifeblood of China’s national economy.The development of agriculture is inseparable from the stable development of society.Therefore,attaching importance to agriculture and developing agriculture has become an undoubted development goal of China.As one of the management tools of agricultural risk,agricultural insurance naturally needs related systems to regulate it.However,the inherent weakness of agricultural insurance and the nature of quasi-public products determine that it can never rely solely on the market,the"invisible hand".Adjustments will be made by the government in the most effective way of financial subsidies.Through the comparative analysis method and case analysis method to analyze the legal system of agricultural insurance financial subsidies and propose solutions,it is the only way for China to gradually solve the "three rural" problems and realize agricultural development.Agricultural insurance financial subsidies are mainly divided into three categories:insurance premium subsidy,business management fee subsidy and reinsurance,which are characterized by policy,universal applicability and compulsory.In practice,China’s agricultural insurance financial subsidies have produced three typical forms with the development of agricultural insurance in various places,namely Shanghai mode,Zhejiang mode and Heilongjiang mode,and there is a lack of special legislation on financial subsidies for agricultural insurance.The legal liability provisions are not clear.The subsidy method is monotonous,the law supervision is weak and the subsidy mechanism is inefficient.The advanced agricultural insurance financial subsidy model of the United States,Japan,the Philippines and Spain has refined advanced experience for China’s reform and improvement:there should be special legislation to guarantee,to achieve financial subsidies and agricultural insurance diversification,to achieve a certain degree of mandatory insurance and Legalization of financial subsidies for agricultural insurance.The construction and improvement of China’s agricultural insurance financial subsidy legal system should be carried out from the following aspects:the special legislation on agricultural insurance financial subsidies,the implementation of subsidies in various ways,clarifying the legal liability of the insured,insurance company and agricultural insurance intermediary organizations in the agricultural subsidy financial subsidies Improve the current three-level subsidy mechanism,and establish reasonable regulatory rules by setting up professional agricultural insurance financial subsidy regulators and clear regulatory targets.