Research On "Insurance + Futures" Model Of Decentralized Transfer Of Agricultural Product Price Risk In ZH Company

China’s primary industry is agriculture.As the old saying goes,"no agriculture is unstable".Agricultural production and food security have been the cornerstone of national stability since ancient times.In addition to the production risk,agricultural products also face the risk of price fluctuation.Although the state has implemented the minimum purchase price policy.Through the analysis of the background environment of insurance + futures,the price risk and management mechanism of agricultural products,and the analysis of two underwriting cases of egg price "insurance + futures" and peanut price "insurance + futures" provided by zh property insurance company for agricultural production and operation enterprises in some cities of Guangdong Province,this paper truthfully shows the farmers(agricultural enterprises),insurance companies How the three parties of futures companies jointly use the "insurance + futures" model to realize the transfer and dispersion of price risk,and then highlight the value of the research through the analysis of economic and social benefits;By analyzing and summarizing the shortcomings of existing models or existing products,this paper puts forward perfect ideas and suggestions.Through research and analysis,we can have a deeper understanding of the business model of "insurance + futures".With the cooperation of many parties,the "insurance + futures" model can achieve win-win results and achieve good economic and social benefits;At the same time,relying on the support and investment of the state,the government,the futures market and the insurance market,the model has strong replicability and can be applied to different fields of agricultural products,as well as different agricultural production and operation entities and insurance entities.Of course,the current "insurance + futures" model also has obvious deficiencies,including insufficient insurance coverage,less varieties of agricultural futures,farmers’ awareness of insurance participation is not high,the role of insurance companies is not fully reflected,the role of government guidance is not fully reflected,and relevant policies and regulations are not perfect;It also needs continuous improvement and perfection.Looking forward to the future,in the process of implementing the high-quality development of "expanding coverage,adding products and raising standards" of agricultural insurance,"insurance + futures",as an innovative model,will continue to blossom and bear fruit in Guangdong and achieve good results.