Research On Supply And Demand Of Policy Agricultural Insurance Development In Jilin Province

As a large agricultural country,China’s rural land accounts for more than 90% of the country’s land area.At the same time,agriculture is also China’s primary industry.As a populous country,agricultural output has naturally become a crucial part of the national economy.Agriculture,as the most basic resource for human development,is the basis for people’s survival.However,agricultural industry has been developing slowly,which is inseparable from agricultural output and natural environment.The quality of natural conditions directly affects agricultural output,thus affecting farmers’ economic income level.For the agricultural industry,natural disasters are unpredictable.Under the premise that they cannot be controlled,people can prevent them through a variety of means,but prevention is only to reduce losses,which cannot be completely controlled.As a result,natural disasters have become the biggest enemy to farmers in terms of productivity,and agricultural insurance has been created for these unpredictable hazards.From insurance country to insurance country.Insurance gradually becomes the "stabilizer" of the society and the "booster" of the economy.The past decade from the property insurance industry,can be said to be a golden decade of rapid growth,although the development rate is going down,but are more than 10%.In the future,under the downward pressure of the economy,the property insurance industry will gradually enter a low-speed development cycle,but the quality of development may be more valued.Agricultural insurance serves "agriculture,rural areas and farmers".Agricultural insurance as a part of property insurance,its development pace is driving the life of farmers.Agriculture is also the most basic resource for human development and the basis for people’s survival.With the development and expansion of the agricultural insurance industry,the government also began to carry out special inspections on agricultural insurance,gradually moving toward a regularized business model with regulation and rules to check.The reform is still deepening,and the competition is also deepening.This paper conducts research from the following five aspects: first,it expounds the related concepts of policy-based agricultural insurance and summarizes relevant theories based on the analysis of its main characteristics;Secondly,according to the data research,the development process of agricultural insurance is sorted out,the development status of agricultural insurance in jilin province is analyzed according to the data,and the supply of policy-based agricultural insurance in jilin province is explained,so as to understand the agricultural insurance market.Thirdly,through empirical analysis,the demand of farmers for agricultural insurance is understood,so as to summarize the relevant factors affecting farmers’ demand for insurance.Fourthly,through a case study,the data of anhua agricultural insurance company is sorted out,the supply and demand situation of policy-based agricultural insurance is further analyzed,and the effective measures adopted by anhua agricultural insurance company are summarized,so as to provide valuable Suggestions for the development of agricultural insurance supply and demand in jilin province.Fifth,from the point of view of farmers,government and insurance companies,this paper analyzes the fundamental problems existing in the supply and demand of policy-based agricultural insurance in jilin province,and puts forward the following countermeasures and Suggestions: improving farmers’ participation and strengthening farmers’ interests;Explore the new model of "insurance +" and promote the innovation of agricultural insurance products;Agricultural insurance companies and government departments and enterprises and institutions more cooperation;Establish a risk allocation and transfer mechanism and improve supervision;We will increase financial support and provide subsidies through multiple channels.