| Due to the poor ability of agriculture to resist risks,the phenomena of high frequency of agricultural disaster,high incidence of natural risks and serious losses are typical characteristics of traditional agriculture.As an important tool of modern risk management and social management,agricultural insurance can reduce the losses caused by natural disasters to a great extent,and help disaster-stricken farmers to resume normal production as soon as possible.Greenhouse policy-oriented insurance as an important part of policy-oriented agricultural insurance has greatly promoted the development of greenhouse industry,so that greenhouse insurance can provide better service for farmers.Chifeng City,as one of the pilot projects of greenhouse insurance premium subsidy in Inner Mongolia Autonomous Region,began to implement greenhouse insurance in 2011,and the greenhouse in Songshan District has been significantly developed in a few years,to 2017,the area of greenhouse has reached 42 thousand of acres.With the development of greenhouse insurance in Songshan District,problems such as difficult to start,irregular claims settlement,weak awareness of farmers,adverse selection and so on have gradually appeared.These problems will lead to confusion in the management of greenhouse insurance market,which will greatly hinder the normal and orderly development of greenhouse insurance in Songshan District.How to solve a series of existing problems is closely related to the sustainable development of greenhouse insurance in Songshan District.On the basis of reviewing the relevant theories,literature and field investigation,this paper firstly summarizes the general situation of greenhouse in Songshan District of Chifeng City,and introduces the development of greenhouse and greenhouse insurance in Songshan District and its towns.Secondly,a large number of first-hand data related to policy-oriented agricultural insurance are obtained through field investigation,and problems found in the investigation are analyzed by combining qualitative analysis with quantitative analysis according to the data,and feasible countermeasures and suggestions are put forward,such as formulating pertinent laws and regulations,establishing coordinating bodies and dividing functions,and strengthening insurance coverage.If these proposals are implemented,the existing problems of greenhouse greenhouse insurance in Songshan District will be effectively improved. |
