Feasibility Study On Maize Drought Index Insurance In Yunnan Province

As the main food crop that plays an important role in Yunnan Province,meteorological disasters are the main risk of Yunnan corn planting.The development and safety of Yunnan corn planting industry are related to food security in Yunnan Province,and ternary planting with grain,meridian and forage.The construction of the structure is closely related.However,at this stage,traditional agricultural insurance is mainly to compensate for the materialized cost of the crop planting industry,and has always faced problems such as low level of protection and incomplete coverage.In 2007,it was the time for Yunnan Province to launch a pilot agricultural insurance program,and the scale of premiums increased rapidly.However,traditional agricultural insurance has also exposed many problems in the operation process.Especially in the case of meteorological disasters such as drought in recent years,Yunnan policy agricultural insurance has been inefficient in disaster relief and rapid recovery and reproduction.Good performance of the loss compensation and insurance protection functions that are exclusively for the insurance industry.Compared with the traditional agricultural insurance that is currently running,weather index insurance can play a greater role in solving moral hazard and adverse selection problems.It also has unique advantages such as low operating management costs,standardized insurance contracts and simple claims processing.Therefore,in order to provide more comprehensive risk protection for Yunnan corn planting industry,this paper is located in the corn planting industry in Yunnan Province to study the feasibility of Yunnan corn weather index insurance.The main research contents and conclusions of this paper:First,corn,as the largest grain crop in Yunnan Province with the largest planting area and the second largest output,is under the background of the Yunnan Provincial Party Committee and the provincial government to accelerate the construction of a plateau-specific agricultural industry,in terms of policy support,market integrity and the needs of policyholders.With the support of feasibility conditions,it is feasible and forward-looking to choose corn as a pilot of weather index insurance.Secondly,it summarizes and analyzes the current advanced experience of weather index insurance at home and abroad,and provides some reference for the development of Yunnan corn meteorological index insurance,and puts forward the key issues in the process of implementing weather index insurance.Poor risk.Thirdly,it analyzes the operation and weaknesses of traditional agricultural insurance pilots until now,and then explores the difficulties faced by traditional agricultural insurance development and the necessity of carrying out weather index insurance.Fourthly,the feasibility analysis of Yunnan corn weather index insurance is carried out from three aspects: policy analysis,demand survey analysis and supply analysis.The survey results show that weather index insurance has strong complementarity to traditional agricultural insurance,and farmers have a relatively positive attitude towards the purchase of weather index insurance,and the market potential is large.The supply-side analysis shows that the current technology for weather index insurance is mature and has great market potential,and the corn weather index insurance products are non-replicable and can bring many positive effects to insurance companies.In summary,the development of Yunnan corn weather index insurance is already feasible.