Investigation Report On The Feasibility Of Carrying Out Navel Orange Revenue Insurance In Ganzhou City

The navel orange industry is the first pillar industry for farmers in Ganzhou City to get rid of poverty.A large number of poor households have achieved poverty alleviation by planting navel oranges.Although the navel orange industry has brought huge benefits to the farmers in Ganzhou City,it plays an indispensable role in helping the farmers in Ganzhou City to get rid of poverty.However,the navel orange industry in Ganzhou City also has the problem of weak ability to resist disasters.Therefore,it has been greatly affected.In addition,due to the problems of pests and diseases and single varieties in recent years,price fluctuations have become more and more severe.Therefore,as the main body of the navel orange industry production and management,the income of the navel orange growers in Ganzhou City is affected by the decrease in the yield per unit area of navel orange(production risk)and the uncertainty of price of navel orange(price risk).The dual impact of production risk and market risk makes the income of farmers unstable.The stable income of navel orange industry is very important for navel orange growers to organize production,increase production enthusiasm and promote rural economic development.It is expected that stable income will enable farmers to purchase product materials or applying for credit,it also helps farmers to obtain bank credit support more easily,achieving a win-win situation for industrial development and precision poverty alleviation.The current navel orange insurance products in Ganzhou City are cost insurance.The starting point of this kind of insurance products is to enable farmers to resume production after the disaster.Only the direct materialization cost can be guaranteed,the production risk and price risk cannot be guaranteed,and the income of farmers cannot be well protected.Stability,insurance and poverty alleviation are not satisfactory.In the context of precision poverty alleviation,it is necessary to effectively prevent the decline in income due to the decline in navel orange production or price,and thus poverty and return to poverty.The navel orange industry,as one of the most important industries for promoting precision poverty alleviation in Ganzhou,develops appropriate navel oranges.It is especially important for insurance products to maintain the income stability of farmers.Agricultural revenue insurance is an insurance product that uses the income of farmers as the insurance object.It not only covers the production risk but also the price risk.Therefore,it not only compensates for the loss of production caused by natural risks,but also the price loss caused by market risks.Compensation is made,and the loss of income due to naturalrisks and market risks is comprehensively guaranteed.Since agricultural revenue insurance can protect the production risk while also guaranteeing the price risk,it is equivalent to the advantages of the two major products of insurance and futures in risk management.Therefore,in terms of agricultural income risk management,compared with other current agricultural insurance products(Such as cost insurance,production insurance,price index insurance,etc.)is more efficient.In some foreign countries,agricultural revenue insurance has become popular as soon as it is launched,and soon became the most important insurance for the agricultural insurance industry.In the United States,agricultural insurance premiums account for even more than 80% of total agricultural insurance premiums.In 2014,PICC P&C designed and developed China’s first revenue insurance product,Chinese herbal medicine production value insurance,and first piloted in Longxi County and Weiyuan County,Dingxi City,Gansu Province,and continuously responded to the national policy of supporting agriculture.To meet the needs of many local governments and farmers,a total of more than 30 revenue insurance products have been designed and developed so far,and they have been actively piloted across the country and achieved good results.Experiences at home and abroad also show that revenue insurance can effectively cover production risks and price risks,and can effectively protect farmers’ income stability more effectively than other agricultural insurance products.In recent years,the Chinese government has also continuously encouraged and supported local agricultural revenue insurance pilots.In recent years,the Central No.1 document has proposed to promote the revenue insurance pilot.It is imperative for agricultural insurance to change from the traditional “guarantee cost” to “guarantee revenue”.This paper hopes to combine the actual situation of Ganzhou City with the necessity analysis and SWOT analysis of the navel orange revenue insurance in Ganzhou City,combined with the experience of successful revenue insurance at home and abroad,and put forward the feasibility of carrying out navel orange revenue insurance in Ganzhou City and some need to improve.The local area,and give relevant suggestions,provide some reference for the practical exploration of the future development of navel orange revenue insurance in Ganzhou City.