Government Role Deviation And Correction In The Implementation Of Policy-based Agricultural Insurance In Jiangsu Province

As a modern risk management tool to graft risk and share loss,agricultural insurance is of great significance to guarantee the sustainable stability of agricultural production.In 2002,China began to put forward the concept of "policy-based agricultural insurance",and in 2004,China began to gradually explore the development of policy-based agricultural insurance,and established a way to gradually promote it,from point to surface,from shallow to deep,and from light to heavy.The government plays an important role in the system change and the policy implementation.In the process of promoting the development of policy-based agricultural insurance,the government analyzes the role and functions of the government,which has profound practical significance for the operation and development of agricultural insurance.Through the study of this paper found that the social function and market function of agricultural insurance is not correctly divided by the government,failed to grasp the boundary between the government and the market,in practice,there are various problems,such as unclear responsibility,unreasonable behavior,eventually lead to the government in the process of promoting policy agricultural insurance,its role has great deviation,mainly in the excessive intervention in insurance management,insufficient coordination between government departments,etc.Timely opinions in the process of the implementation of management in China,which specified that the government should keep full respect for insurance institutions,in the development,rate determination,underwriting claims,etc.,insurance institutions on the basis of autonomy,play the organization guidance,policy support and management supervision,encourage support insurance institutions legal compliance to carry out agricultural insurance management.The government is moving from "leader" to "guides","Implementer" to "supervisor",Role transformation of "sharer" to "server",But actively play the main role of the insurance market,Promoting the market-based resource allocation of policy-based agricultural insurance is still in its infancy,How to effectively stimulate the participation enthusiasm of market subjects,To correct the deviation of the government’s role,Reasonable positioning of the government’s roles and functions are the key issues to be solved,To address such problems,This paper puts forward the countermeasures of the government role deviation correction in the implementation of policy-based agricultural insurance,These include restricting the rights of the government,Implement standardized management of the development and operation of the agricultural insurance market,Create a good competitive environment,improve the performance evaluation system of government work,establish a comprehensive supervision system,eliminate blind areas in supervision,and build a grass-roots service system for agricultural insurance.