The Compare And Improvement Of Major Provincial Models Of Agricultural Insurance In China

We have worked hard for forty years to open a new era for the future.Since the beginning of agricultural insurance business model which have been magnificently changed for 40 years,it have written a new chapter in the turn of the great era.First of all,this paper studies agricultural insurance management model from the perspective of cooperative public management theory.Under the summary of the collaborative public management theory,we put forward a extend framework which is agricultural insurance business model that establish a partnership of "central government-local government-department-agricultural insurance company-farmer".This extended framework is in order to adapt to the agricultural insurance business mode whose goal is a diversified management mode of agricultural insurance.Secondly,this paper combs the evolution path of agricultural insurance management mode in China.One is the period of revival and vigorous development of agricultural insurance management in 1982-1992.And the other is the period of agricultural insurance operation shrinking and staying in1993-2003.The third is the pilot stage of agricultural insurance diversification in2004-2012.And the fourth is the comprehensive implementation stage of agricultural insurance diversification from 2012 to now.Thirdly,this paper summarizes the general mode of agricultural insurance management in China since 2012.At the same time,taking the agricultural reclamation areas of Shanghai,Jiangsu,Zhejiang and Heilongjiang as an example,this paper summarizes and expounds the professional agricultural insurance company models which include professional agriculture insurance mode,co-operation co-insurance mode,commercial insurance company self-management model and mutual insurance model and other provincial models,finally,this paper compare the advantages and disadvantages between general mode and provincial modes and compare the advantages and disadvantages between four provincial modes.Fourthly,this paper expounds the problems existing in the provincial mode of agricultural insurance in Chin.The top-level design work is not in place,the governance mechanism is not perfect,the incentive means is unitary,the supervision system mechanism is not smooth,the cooperation foundation of the departments is not firm,and the infrastructure construction is backward.Finally,based on top-level design,department collaboration,diversification and high-risk incentive overall collaboration,this paper puts forward the policy recommendations which is a diversified agricultural insurance management system of promoting diversified cross-border cooperation.We should establish a national unified committee for the overall coordination of agricultural insurance operations.We should optimize and improve the operating and management capabilities of agricultural insurance institutions.We should encourage agricultural insurance in the aspect of policy support andestablish a high-risk reward incentive mechanism.We should also encourage to explore the overall mode of inter-departmental coordination and supervision of agricultural insurance supervision between the central and local governments.We should establish and perfect a new type of agricultural insurance financial think tank system.We should build a relatively complete agricultural insurance management system.