Research On The Management And Development Of Professional Agricultural Insurance Company

With the continuous development and progress of China's agricultural insurance,the agricultural insurance system has been continuously improved and enriched.The government strongly encourages and supports the development of agricultural insurance.For many years,it has been proposed that agricultural insurance should be an important means to solve the "three rural issues",and it should be written into the "Central Document No.1",because of China's agricultural insurance.There are many problems in the process of government policy and enterprise implementation,such as late start,big resistance,lack of experience and so on.Professional agricultural insurance companies are important carriers in the implementation of policy-based agricultural insurance.Since their first approval in 2004,they have continuously carried out pilot projects,innovations in products and changes in development modes.They have accumulated rich experience,but at the same time,they are also facing some problems of operation and development.This paper chooses Anxin Agricultural Insurance Company as the research object,and carries on the analysis from many aspects.Firstly,it studies the development status of Anxin Agricultural Insurance Company,including its development background,development mode,current agricultural insurance product system and product development trend.Then the income and expenditure of the company and the relevant financial data are analyzed,and the characteristics and shortcomings of the professional agricultural insurance companies are excavated.Secondly,Anxin Agricultural Insurance Co.,Ltd.has the common operating pressure in its operation and development,the insufficient effective demand caused by the population and structure of rural development,the unbalanced supply of products of Anxin Agricultural Insurance Co.,Ltd.,and the absence of policies and regulations from the government's perspective.In order to explore these problems,this paper aims to discuss the problems.The causes and solutions are discussed from the aspects of agricultural production factors,farmer factors,insurance companies and government factors in Shanghai.The fifth chapter studies two countries,the United States and Japan,whose agricultural insurance operation is relatively early and the agricultural insurance system is relatively mature and perfect,summarizes the development experience and characteristics,and excavates the aspects that can be used for reference by our professional agricultural insurance companies.Finally,on the basis of the above analysis,some suggestions are put forward for the professional agricultural insurance companies to operate and develop their agricultural insurance business more effectively.This paper reveals the scale and trend of agricultural insurance company's product development through the way of "small to big".At present,the agricultural insurance product system is constantly developing and innovating.Professional agricultural insurance company is the main thrust to promote agricultural insurance innovation.The product development level has realized the leap from output insurance to index insurance,and the insurance risk has also been passed on.The leap from traditional natural risk to market risk.Product innovation is an important way for professional agricultural insurance companies to develop their own uniqueness and enhance their market competitiveness.In line with the progress of the times and science and technology,we should take the demand of farmers as the starting point of product innovation,and take income insurance,insurance + futures products and "Internet + agricultural insurance" products as the development goals.From the government's point of view,the development of specialized agricultural insurance companies is closely related to them.The government should play a role of guidance and supervision to realize the stability and sustainable development of agricultural production,strengthen the legislative construction related to agricultural insurance laws and regulations,give full play to the role of financial support,expand financial subsidies and improve financial benefits.Utilization rate.