Farmers' Evaluation Of Compensation Effect On Policy-Oriented Agricultural Insurance

Agriculture is a national economic foundation,in the current process of gradually agriculture promoting modernization,the high-risk characteristics still exist.The growth of agricultural modernization is not only the future development direction of agriculture,but also the important part of the country to achieve comprehensive modernization reaching the goal of common prosperity.The phenomenon of farmer differentiation is becoming more and more obvious with the modernization of agriculture.The deepening of farmer's differentiation has brought different types of farmers,especially the new type of agricultural management.Their demands of the policy insurance are stronger and more diversified,and they also put forward higher requirements for the claims of agricultural insurance.As a major support for the development of agricultural modernization,agricultural insurance has a positive effect on the avoidance of agricultural non-systematic risks,the promotion of agricultural industrialization and the stability of farmers' income.And national authorities' awareness of it is increasing.As the key procedure of agricultural insurance,the effect of claims affect not only the supply of agricultural insurance in the process of agricultural modernization,but also the enthusiasm of farmers.Compared to rice and wheat and other farming insurance risks,aquaculture insurance faces the more complex uncertainty.Once the spread of infectious diseases spread,they will result in a huge loss of aquaculture households.Large farmers face a greater risk than traditional small farmers therefore they have stronger demand for agricultural insurance.From 2004,Huai'an City in Jiangsu Province,combing with their own situation has explored the "government +insurance company jointly organized" policy of agricultural insurance model.In 2007,Jiangsu was selected as the pilot of agricultural insurance in the whole province to carry out Huai'an agriculture model.Jiangsu Province as a large aquaculture province,this industry scale is obvious,aquaculture insurance role is more significant to ensure the smooth development of aquaculture.Aquaculture insurance has achieved some success in Jiangsu Province.However,on the one hand,by the "joint co-insurance" model is still in the development stage,coupled with aquaculture by natural disasters,epidemics,price fluctuations,there are some problems about aquaculture insurance claims amount and rate.Claims affect not only the follow-up insured farmers have been insured,but also the potential of the farmers' enthusiasm.On the other hand,the domestic reviews do the research mainly on the model exploration and farmers' cognitive evaluation to carry out the overall evaluation of agricultural insurance.Based on a large number of farmers research data,specifically the literature for farmers on the assessment of agricultural insurance claims and the impact of factors related to the evaluation is little.This paper is in this underground to explore the current farmers' evaluation on the policy of agricultural insurance claims service and the impact factors of evaluation,the main research objectives are three points:First,what problems still exist in the current process of agricultural insurance claims in Jiangsu Province,do different types of farmers have different evaluation of claims.Second,which factors have impact on evaluation of claims?What is the extent?Third,how to improve the claims according to the results above.The main contents of this paper include the following aspects:First,explain the background and research significance of agricultural insurance,finishing the domestic and foreign literatures on the evaluation of agricultural insurance claims,analyze the current"joint co-insurance" model claims mechanism.Secondly,the fuzzy comprehensive evaluation method is used to analyze the different types of farmers' comprehensive evaluation of claims,construct the influencing factors model of farmers' evaluation,and verify the influence degree of different factors on claims evaluation.Finally,according to the empirical conclusion,the paper puts forward some suggestions for the policy agriculture insurance in Jiangsu Province.The paper draws the following conclusions:(1)There is still a lot of space for agricultural insurance claims to optimize,among which small farmers have more space for improvement.The central government subsidizes aquaculture insurance is needed to optimize further for small farmers.The central government subsidy is better for both types of farmers.(2)There is a shortpart for the current agricultural insurance to compensate for the cost,mainly because the amount of insurance to determine is unreasonable.The new type of agricultural management is better supported by the aquaculture insurance.The local subsidy insurance is weaker than the cost of the central government subsidy in making up for the cost of the new type of agricultural management.(3)Farmers are satisfied with the speed of claims,but the establishment of outlets is insufficient,and the new agricultural management subjects are higher than the small farmers.(4)The central characteristics of farmers,the basic characteristics of farmers,the characteristics of farmers' awareness of agricultural insurance,and the frequency of participation in agricultural training in the different agricultural management subject model through the significant test,the total household income in the small farmers claim evaluation model did not pass the significant The frequency of inspection and disaster prevention is not tested in the new model of agricultural management.