| Agricultural insurance is an important means to achieve sustainable agricultural development and provide risk protection for agricultural production and operation.As an important part of the construction of agricultural insurance system,agricultural insurance companies,whether the types of insurance,insurance rates,monitoring of risks and determination of loss degree are reasonable,play a key role in the implementation effect of agricultural insurance.Therefore,performance evaluation from the perspective of agricultural insurance companies can not only understand the services of insurance companies,but also identify the implementation effect of policy agricultural insurance.Policy agricultural insurance is different from commercial insurance in that it is supported by national policies as well as premium subsidy funds.While pursuing proper interests,it is also to execute the implementation of agricultural insurance policies,so the evaluation using only financial indicators is not comprehensive enough and cannot completely reflect the real situation of the insurance companies operating agricultural insurance.Based on this,the thesis cites the Ministry of Finance’s performance evaluation system of premium subsidy funds for three major food crops,optimizes the balanced scorecard,and assigns weights to each index through Analytic Hierarchy Process to build an evaluation system suitable for policy agricultural insurance in Inner Mongolia.The performance evaluation follows the principles of scientific standardization,objectivity and impartiality,combination of qualitative and quantitative principles,and incentive and constraint principles.The index system is constructed in eight levels according to the logic of the before,during and after implementation of agricultural insurance in three dimensions: process performance,output performance and benefit performance.Quantitative level,output quality level,output timeliness level,learning and growth level,farmer satisfaction level and social performance level.Through the performance evaluation of insurance companies operating agricultural insurance,a ranking is formed and further comparative analysis of the operating characteristics and capabilities of different performing companies is conducted to identify problems in the implementation of agricultural insurance and to make suggestions for the high-quality development of agricultural insurance,the standardization of underwriting and claims handling processes of underwriting institutions,and the better fulfillment of social responsibility by insurance companies. |
