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ＲeviewofAgriculturalInsuranceDevelopmentintheNewPeriodinChinaSuzhenGUO*SchoolofEconomicsYangtzeUniversityJingzhou434023ChinaAbstractAgriculturalinsuranceisagreatsupportforagriculturalmodernizationinthenewperiod．Itplaysaroleofstabilizerinconsecu-tiveincreaseofyieldandconstantincreaseoffarmers'income．ThispaperelaboratedcurrentsituationofagriculturalinsurancedevelopmentinChinainthenewperiodanalyzedexistingproblemsandcameupwithpertinentrecommendations．KeywordsAgriculturalinsuranceNewperiodChinaPremiumsubsidyＲeceivedSeptember192016AcceptedNovember102016*Correspondingauthor．E-mailhbguosuzhen@163．com1IntroductionOnFebruary252016theMinistryofAgricultureandChinaIn-suranceＲegulatoryCommissionjointlyheldtheForumofInsur-anceServingAgriculturalModernization．Agriculturalinsuranceisagreatsupportforagriculturalmodernizationinthenewperiod．Itplaysaroleofstabilizerinconsecutiveincreaseofyieldandconstantincreaseoffarmers'income．Thedevelopmentofmodernagriculturehasmoreintensedemandforagriculturalinsurance．Itisrequiredtoacceleratethedemand-orientedagriculturalinsur-anceandraisethesupportandsecuritylevelofagriculturalinsur-ance．Atthepresentandinfutureagriculturalinsuranceshouldconsolidatethebasicfieldscoverallfieldssteadilyraisethestandardspeeduppromotingtheconceptinnovationproductin-novationandmechanisminnovation．2Currentsituationofagriculturalinsurancedevelop-mentinChina2．1SteadyexpansionofoperationscaleandconstantgrowthofpremiumincomeSincethecentralfinancelaunchedthepilotprojectofpremiumsubsidyin2007theagriculturalinsuranceen-teredtherapiddevelopmentperiod．In2007China'sagriculturalinsurancerealizedthepremiumincomeof5180millionyuanwhichwas13timesofthatin2004．In2008China'sagriculturalinsurancerealizedthepremiumincomeof11070millionyuanin-creasingabout112．5%comparedwiththesameperiodoflastyear．Since2008China'sagriculturalinsurancescalehadbeenonlysecondtotheUnitedStates．In2015China'sagriculturalin-surancerealizedthepremiumincomeof37490millionyuanwhichwas3．4timesofthatin2008．2．2Gradualexpansionofservicefieldsandconstantin-creaseintheinsurancecoveragerateIn2014about250mil-lionfarmersboughtagriculturalinsurancegrowingby15．7%comparedwiththesameperiodoflastyeartheinsuranceprovid-edrisksecurityupto1600billionyuangrowingby17．7%com-paredwiththesameperiodofthelastyearagriculturalinsurancemadecompensationof21．46billionyuangrowingby2．9%com-paredwiththesameperiodofthelastyear32．446millionfarm-erswerebenefitedincreasingby2．1%comparedwiththesameperiodofthelastyear．Agriculturalinsurancecoveredmaincropsupto1170millionmuaccountingfor47．7%ofplantingareaofmaincropsinthewholecountry．Thecoveragerateofthreelargestsubsistencecropsmaizericeandwheatwas68．7%69．5%and49．3%respectively．Agriculturalinsurancecovered2170millionmuforestthecoverageratewasupto67．2%itcovered130millionfatteningpigs3．981millionmilkcowsin-creasingby54．3%and21．2%respectivelycomparedwiththesameperiodoflastyear．2．3Greatersupportofgovernmentandconstantoptimiza-tionofrelatedpoliciesInrecentyearsChinaalwayscaresa-boutpopularizationandreformofagriculturalinsuranceandcon-stantlyincreasesthesupportforagriculturalinsurance．In2007－2015centralfinanceallocatedmorethan78billionyuanpremiumsubsidywithannualgrowthof27%whichprovidedmorethan7000billionyuanrisksecurityfor1400millionfarmers．AccordingtothelateststatisticaldataofChinaInsuranceＲegulatoryCommis-sionthesubsidyforagriculturalinsuranceatalllevelsreached8380millionyuaninJanuarytoAprilof2016increasingby21．13%comparedwiththesameperiodoflastyear．Chinaimple-mentsthreelevelscentralprovincialcityandcountyofpre-miumsubsidysystem．Thesubsidyamountaccountsfor80%ofthepremiumandtherest20%ispaidbyfarmers．3ExistingproblemsinagriculturalinsuranceofChina3．1ThesecuritylevelislowandinsuranceamountistobeincreasedConsideringthepremiumbearingabilityoffarmersandfinancialburdenChina'sagriculturalinsurancemainlyadopt-edthemethodofcoveringthecostnamelycoveringthemate-rialcostofcrops．HowevertakingthefieldmaizeinsuranceinHeilongjiangProvinceasanexamplethemaximuminsuredamountincaseoftotalcropfailureis280yuan/mu．WiththeriseAsianAgriculturalＲesearch201681131－33inpriceofagriculturalmeansofproductionsuchasseedschemi-calfertilizerandplasticfilmthedirectmaterialcostupto400yuan/muhasexceededtheinsuredamount．Obviouslythecoveringthecostmethodcannotcoverthecostactuallyanditinfluencesagriculturalinsurancesecuringthereproduction．Thisisespeciallytrueforfarmerswhoexperiencedthelandcirculationhadlargeproductionscaleandhigherdemandofagriculturalin-surancewhileitlacksappealforfarmerswhohavepotentialin-surancedemands．3．2Farmers'riskawarenessisweakandenthusiasmforbuyingtheagriculturalinsuranceislowAccordingtotheSur-veyＲeportonMarketDemandforAgriculturalInsuranceinChinaissuedbytheInsuranceSocietyofChinainSeptember2014only3．75%respondentsactivelyboughttheagriculturalinsurance．Themethodoffarmersbuyingtheagriculturalinsuranceismainlysitesalesofinsuranceorganizationsruralcadresmobilizingfarm-ersandthenfarmersbuyingtheinsuranceinvillages．Inaddi-tiononly14．61%respondentfarmerscouldfullyunderstandthecla