A Study On The Development Of Agricultural Insurance In Wuhu City

China’s agriculture is a foundation of our country,is the national economy basic industry and strategic industry.However,agriculture is a weak industry,vulnerable to sudden,accidental natural risk and agricultural risk has some unique properties,including regional,seasonal,correlation,and the uncertainty of disaster and associated.Therefore,to prevent and defuse the risk of agriculture has been an important goal of all countries in the world.Agricultural insurance is one of the specific measures to support agricultural production and dissolve the risk of agriculture in China.In our country,the agricultural insurance development experience in the early period after the founding of new China,initial reform,market economy system establishment of three periods,current agricultural insurance premium income accounted for the proportion of the property insurance premium income has by 0.34%in 2004 growth to 4.52%in 2014,development speed is obviously has become China’s property insurance market can not be ignored is an important part of.Anhui province is an important grain producing area in China,and it has an extremely important position in agricultural production.As a big province of agriculture,the agricultural risk is concentrated and the harm is great.As the second largest economy in Anhui Province,Wuhu has a distinctive regional characteristic of agricultural production and agricultural insurance policy.From the three aspects of development survey,effectiveness research and development analysis,the article examines the development and current situation of policy agricultural insurance in Wuhu,Anhui,and further explores the overall development of policy agricultural insurance in Anhui,Wuhu.On the basis of data analysis and the establishment of mathematical model,pointed out that the development of agricultural insurance in Wuhu city’s five major problems,namely the agricultural insurance policy is not reasonable,the homogenization of agricultural insurance,agricultural insurance agency is not high degree of specialization,certification standard difficulty,does not permit in accordance with the risk level of customer choice.In that problem,we propose a corresponding solution,such as:the insurance pricing by city policy agricultural insurance,agricultural insurance agency office to strengthen the degree of specialization,increase the input to science and technology,in accordance with the level of risk,to guide farmers to improve agricultural management by means of leverage rate.This paper from the development of Wuhu agricultural insurance according to the specific situation of the development of agricultural insurance combined with Wuhu city during 12th Five-Year,on the development of agricultural insurance in the city after the study,explain the key factors to promote or restrict the role effect on development,and on this basis can effectively promote the Wuhu agricultural development suggestions insurance,in order to provide some useful suggestions for the related departments and insurance companies.