Research On The Development Of Heilongjiang Commercial Agricultural Insurance Market

"Chinese food,Chinese rice bowl." During his two visits to Heilongjiang,General Secretary Xi Jinping gave important instructions to Heilongjiang's agricultural development.This provides a historical opportunity for all aspects and all-round revitalization of Heilongjiang province.At the same time,the construction of "one belt and one road" and the revitalization o f the old industrial base in Northeast China also provide opportunities for Longjiang's development.At present,the development of Heilongjiang Province is in the best period of opportunity,stimulating the momentum of agricultural development and protect ing the development of food security from all aspects of agricultural development.Agricultural insurance is an important way to protect agricultural development and enhance farmers' enthusiasm for agricultural production.In the process of agricultural insurance development in Heilongjiang Province,we should focus on policy-oriented agricultural insurance as the leading factor and commercial agricultural insurance as the assistant,and create a new way to build an agricultural insurance system suitable for the needs of agricultural development in Heilongjiang Province.China is a large agricultural country with a long history.Agriculture,as the foundation of the national economy,plays an important role.Safeguarding agricultural production is not only re lated to the economic interests of the broad masses of farmers in China,but also to the long-term stability of the country and the prosperity and stability of the economy.Among them,there are 239 million mu of cultivated land in Heilongjiang Province,a ccounting for about 10% of the total cultivated land area in the whole country,ranking first in the whole country.The per capita cultivated land area is 0.31 hectares,which is 3.3 times of the per capita cultivated land area in the whole country.Heilongjiang Province has always been a traditional agricultural province in China,occupies an extremely important position in the development of agricultural economy and is one of the most important commodity grain production bases in China.As a large traditi onal agricultural province,Heilongjiang Province needs more and pays more attention to agricultural insurance than other provinces.In 2008,Heilongjiang Province was further included in the pilot scope of national agricultural insurance.The governments at all levels and commercial insurance companies jointly sponsored the joint insurance.After rapid development in recent years,the agricultural insurance network covering the whole province has been initially established.However,agricultural insurance in Heilongjiang Province is still in an immature state,lagging behind the advanced foreign agricultural insurance model.Simple policy-based agricultural insurance can not fully cope with frequent disasters and problems.Through in-depth study of the current situation of commercial agricultural insurance in Heilongjiang Province,this paper finds out the main difficulties faced by the development of commercial agricultural insurance,and tries to put forward effective solutions,hoping to benefit the impro vement of agricultural security in Heilongjiang Province at this stage.