Research On Regional Differences In High-Quality Development Of Agricultural Insurance In Henan Province

China is a large agricultural country and agricultural development is the backbone of the national economy.Agriculture itself is fragile and vulnerable to market risks and natural disasters.The emergence of agricultural insurance has effectively dispersed the risks that may arise in the process of agricultural production to marketing,improving the stability of agricultural production.The Party Congress proposed that China’s economy should shift from high growth to high quality development,and agricultural insurance,which is an important part of China’s economy,should also change with it.In May 2019,the Central Government issued "Several Opinions on Accelerating Agricultural Development"(hereinafter referred to as "Guiding Opinions"),which implies that insurance development will also shift to high-quality development,and at the end of 2020,Henan Province also issued "Implementation Opinions on Accelerating the High-Quality Development of Agricultural Insurance"(hereinafter referred to as "Implementation Opinions"),linking Henan’s agriculture and agricultural insurance development with national policies to provide high quality agricultural insurance.The introduction and implementation of this policy has been effective,but the development of agricultural insurance varies from region to region.Regional differences can seriously affect the development of quality agricultural insurance in Henan and are detrimental to the revitalisation of the countryside.This paper for the first time objectively describes the current situation of agricultural insurance quality development in Henan Province from three aspects:agricultural insurance market development,policy implementation and the effectiveness of quality development requirements,and proposes evaluation indicators for agricultural insurance quality development in five aspects: farmers’ income level,agricultural infrastructure construction,market efficiency,agricultural insurance service level and agricultural insurance development potential.Subsequently,an evaluation index system for the quality development of agricultural insurance was established,the established indicators were weighted and the TOPSIS method was applied to calculate the comprehensive score of each city in Henan Province,and the results were ranked and compared,indicating that there are large regional differences in the quality development of agricultural insurance in Henan Province.By calculating the Gini coefficient and the intra-and inter-regional contribution indices,problems in the development of quality insurance at this stage were identified and the reasons for these problems were analysed.In summary,the development of quality agricultural insurance in Henan is characterised by differences in government subsidies,differences in the disposable income of farmers in each municipality,differences in the financial income and expenditure of local governments,differences in the basis of agricultural insurance,and problems in the agricultural insurance protection mechanism.In view of the current situation of agricultural insurance development in Henan,it is necessary to improve the regional differences in the development of quality agricultural insurance in Henan by focusing on the weaknesses of agricultural insurance development,increasing research activities,strengthening policy optimisation and focusing on the construction of agricultural insurance infrastructure.