Research On Agricultural Insurance Problems And Countermeasures In Heyuan City

China is a large agricultural country with a long history.Agriculture is the basic industry of our national economy.The issue of "three rural areas" has always been a major issue that has a bearing on our country's economic development and social harmony and stability.Both the Party and the government attach great importance to it.Agricultural insurance,as one of the important financial means to manage agricultural risks,has the function of dispersing agricultural risks and reducing agricultural losses.It is of great theoretical and practical significance to promote agricultural production,increase farmers' income and maintain rural stability.Located in the mountainous area of northeastern Guangdong province,heyuan city is characterized by mountainous and hilly terrain,subtropical monsoon climate and perennial natural disasters,such as floods,droughts,typhoons,high temperatures,freezing and hail.Located in the mountainous areas of northeastern Guangdong Province,Heyuan City is characterized by mountainous and hilly terrain,subtropical monsoon climate,perennial floods,droughts,typhoons,high temperatures,freezing and hail,and other natural disasters,causing significant losses to local agricultural producants.Although in recent years the Heyuan City Government has persisted in the implementation of the decision of the Central Government and the State Council to promote the development of agricultural insurance,it has not been able to solve the whole process,and put forward a series of policy guidance,financial subsidies and pilot measures for the development of agriculture,which have led to raise the Heyuan City's basic level This will affect the sustainable and healthy development of modern agriculture in Heyuan City.Therefore,it is of great significance for heyuan city to carry out the rural revitalization strategy and accelerate the agricultural modernization development process by studying the agricultural insurance in heyuan city and putting forward the countermeasures in line with the actual agricultural insurance development.Based on the literature at home and abroad for reference,on the basis of fully,explains the concept,characteristics and categories of the agricultural insurance and related theory,combined with the historical statistic data and visit,questionnaire survey,analyzed the agricultural development situation in heyuan city,guangdong.By analyzing,from three aspects as the government,insurance companies,farmers find out the problems and reasons,heyuan city,agricultural insurance and put forward the lack of the effective promotion ofagricultural insurance and government subsidies strength is insufficient,not improve the catastrophe risk disperse mechanism,not improve the relevant policies,the insurance company service level is not high,less the danger is planted,the low level of professional talents,backward management technology,lack of awareness of farmers to the agricultural insurance,income level is low.Finally,in view of the current plight of heyuan city,agricultural insurance,is proposed in this paper from the government,insurance companies,farmers three aspects put forward the countermeasures and Suggestions: government should strengthen the propaganda,increased investment in subsidies,catastrophe risk disperse mechanism,perfect the agricultural insurance supporting policies;Insurance companies should build extensive service network,improve internal management mode,increase agricultural insurance coverage and scope,train professional talents,and innovate agricultural insurance technology.The farmer wants to strengthen insurance.