Effect Analysis Of Agricultural Insurance Implementation In Guizhou Province

Agricultural production faces both natural and market risks.Guizhou is located in the mountainous area.The hilly and mountainous areas on which it depends for survival have more prominent natural risks due to unfavorable agricultural production conditions.The market risks faced by the characteristic agriculture that is vigorously developed are more prominent due to the lack of national policy protection.Preventing and resolving agricultural risks in hilly and mountainous areas is of great practical significance for consolidating and expanding the achievements of poverty alleviation and continuing to promote rural revitalization.Agricultural insurance is an important tool for agricultural risk management.Policy-based agricultural insurance is an important measure to protect the basic income of producers and mobilize the enthusiasm of production,but it also has different effects due to insurance design and operation.Whether agricultural insurance in Guizhou Province really plays a role in agricultural risk management remains to be carefully examined.By discussing the evolution pattern of agricultural insurance in Guizhou Province,this paper uses fixed effect model and case investigation to verify the implementation effect of agricultural insurance in Guizhou Province,in order to provide enlightenment and suggestions for further improving agricultural insurance.Using statistical data and survey data,this paper analyzes the evolution and overall pattern of agricultural insurance in Guizhou Province.The results show that the development of agricultural insurance in Guizhou is good.With the support of policies,the coverage of varieties is gradually expanding and the types of insurance are gradually increasing.At present,the scale of insurance and the level of protection are at a high level,but there are also some problems affecting the implementation of agricultural insurance,such as insufficient effective demand for planting insurance,lack of motivation for the supply of insurance products,incomplete insurance varieties,high fixed loss costs,too complicated claims procedures,and difficulties in receiving subsidy funds.Based on the panel data of Guizhou Province from 2008 to 2020 and the two-way fixed effect model,the explanatory variables are selected from the two dimensions of agricultural output and farmers ’ income,and the implementation effect of agricultural insurance is empirically tested.At the same time,endogenous processing and robustness test are carried out.The results show that the implementation of agricultural insurance has played a significant role in promoting the total agricultural output,animal husbandry output and farmers ’ income,but the promotion of planting output needs to be strengthened.Based on the field survey case of Meitan in Guizhou,this paper makes an exploratory analysis on the implementation effect and problems of grain and tea planting insurance.The results show that :(1)In terms of policy planting insurance product design,the unit insurance amount is similar to the materialized cost,the rate is low,the policy subsidy is large,but there are problems such as less insurance development;(2)In terms of operation,the insurance process is complex,due to the absence of supervision,information asymmetry and other factors,such as some village collectives in the case of the insured subject is not aware of the insurance,others use farmers tea garden for illegal insurance and other non-standard phenomenon;the participation rate of crop insurance is also low.Although poor households are exempt from the self-paid part of grain crop insurance,their participation has not been significantly improved.(3)In terms of fixed loss compensation,there are problems such as high fixed loss cost,irregular fixed loss,difficulty in claim settlement,and untimely compensation.Further verify from the perspective of the case that there are many problems in the implementation of crop insurance,affecting its effectiveness.Based on this,the following suggestions are put forward : developing multi-level agricultural insurance products,optimizing agricultural insurance subsidies,realizing intelligent operation of agricultural insurance,increasing insurance publicity,strengthening agricultural insurance supervision system,and exploring co-insurance and reinsurance insurance systems.