The role of agricultural insurance in rural economic construction and its development path

The role of agricultural insurance in rural economic construction and its development path

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abstract:

Agricultural insurance is of great significance for preventing agricultural production risks and reducing agricultural disaster losses. Giving full play to the role of agricultural insurance can stabilize agricultural production, regulate rural economy and stimulate agricultural economic growth. Based on this, this paper focuses on the impact of agricultural insurance on rural economic development and the corresponding countermeasures.

Key words:

The influence of agricultural insurance on rural economic development; Countermeasures,

1, Introduction

After the reform and opening up, policy and technology have become the dual driving forces to promote agricultural development. Modern agricultural production has become an important trend. In order to cope with the risks of various natural disasters that may occur in agricultural production, it is necessary to strengthen the scope of application of agricultural insurance and provide a solid guarantee for farmers' income. Therefore, it is of great practical significance to study the influence of agricultural insurance on rural economy.

2, the impact of agricultural insurance on rural economic development

2. 1, the application of agricultural insurance is conducive to increasing farmers' income.

As a big agricultural country, China has a wide distribution of agricultural production. Under the traditional agricultural production mode, farmers' income is greatly influenced by natural factors, and their ability to resist natural disasters is weak. The phenomenon of relying on the weather to eat is very serious, which also leads to certain instability in the development of agricultural production in China. As far as natural weather is concerned, it is difficult to predict itself, and this force majeure is also the biggest threat to agricultural production at present.

Because China is a vast country, agricultural production in different regions is influenced by customs and soil conditions, so the types of natural disasters are also different. Floods in the south, droughts in the north and typhoons in coastal areas all seriously threaten the agricultural production in China. In recent years, due to global warming, meteorological changes have become more unpaid, which has brought great difficulties to the stable development of agricultural economy. By developing agricultural insurance, we can greatly improve the safety of agricultural production process, enhance farmers' ability to resist risks and increase farmers' income. On the other hand, farmers' production can be guaranteed, which can arouse their enthusiasm for production and has important practical significance for increasing production and improving land utilization.

2.2, agricultural insurance is conducive to changing the investment direction of farmers.

With the rapid development of urban economy today, more and more farmers begin to increase their income by working in cities, which has more obvious economic benefits than engaging in agricultural production. In today's fast-paced society, working in cities has also become an important way for farmers to relieve pressure. In recent years, China has paid more and more attention to rural construction, and the rural landscape has begun to change. Even so, the number of young people in the village is still small. A large number of rural population entering cities has increased the pressure on cities, and the lack of young and strong labor in rural areas is not conducive to the development of rural and agricultural economy. This situation also leads to the relatively slow innovation of agricultural technology, the weak effectiveness of agricultural production, and the long cycle of new technologies and innovative means, which also limits the development of China's agricultural economy to a great extent.

In view of this situation, the development of agricultural insurance can provide more protection for farmers to engage in agricultural production, thus improving farmers' economic benefits, helping farmers to actively change their investment direction and promoting the transformation of modern agricultural production methods. With agricultural insurance, farmers can invest in water conservancy construction and equipment leasing, which is conducive to promoting the large-scale operation and development of agricultural production, thus further improving the efficiency of agricultural production, enhancing the people's control over agricultural development information and promoting the further development of China's agriculture.

Third, agricultural insurance to help rural economic development countermeasures

Agricultural insurance should help rural economic development from the following aspects: first, improve the working mechanism and legal system of agricultural insurance; Second, strengthen publicity to improve farmers' understanding of insurance; Third, build a new agricultural insurance model; Fourth, increase government support and improve the service level of insurance companies; Fifth, reduce insurance costs and promote the healthy development of the industry.

3. 1. Improve the working mechanism and legal system of agricultural insurance.

In practical work, due to the complexity of agricultural production, the operation of agricultural insurance is not simple and requires high professional ability. It is difficult to play the role of agricultural insurance in rural economic development only by market regulation. In this regard, it is necessary to further improve the working mechanism of agricultural insurance, attach importance to the improvement of the legal system, and provide a basis for the work. As far as the implementation of agricultural insurance is concerned, the state has introduced corresponding measures to clarify the business scope of agricultural insurance, which is of great practical significance for stimulating the enthusiasm of insurance companies.

As far as the development of rural finance in China is concerned, the traditional credit model has fallen behind, so we must seek new changes and breakthroughs, that is, to realize the construction of rural credit system through credit insurance. Moreover, the credit insurance model can also solve the historical problems left over by traditional credit, reduce the risks in the process of credit, cultivate and guide credit participants to develop good habits of honesty and trustworthiness, and further enhance the honesty awareness and trustworthiness of agricultural insurance policyholders. In addition, through the accumulation of borrowers' credit records, timely repayment, daily trustworthy behavior and other specific performances in exchange for credit points, thus improving personal credit rating and realizing the leading of credit trends. Finally, with the gradual withdrawal of the government security system from the historical stage, agricultural insurance has gradually realized real marketization and commercialization, providing assistance for rural revitalization and development.

3.2, strengthen publicity, enhance farmers' understanding of agricultural insurance.

At present, although agricultural insurance escorts agricultural production to a certain extent, in some areas, due to factors such as the level of economic development and traditional concepts, people's understanding of agricultural insurance is not comprehensive enough, which also leads to a small number of participants. In order to give full play to the role of agricultural insurance, we need to carry out publicity from the following aspects: First, we need to increase publicity through self-media and traditional media, so that farmers can understand the real situation and role of agricultural insurance through radio, television and internet. Second, grass-roots staff need to cooperate with offline propaganda work, so that farmers can truly understand the contents and benefits of agricultural insurance, enhance insurance awareness, and help farmers better engage in insurance business voluntarily. The process of popularizing agricultural insurance is the process of ensuring farmers' economic income.

3.3. Construct a new agricultural insurance model.

There are many modes of agricultural insurance, which are derived from different agricultural management modes in different regions. In the actual work process, we should fully combine regional characteristics and hydrological and climatic conditions, and actively develop diversified agricultural insurance models to meet the actual needs of people in different regions and at different levels. In Northeast China, catastrophe insurance can be popularized and full coverage can be achieved. Different crops may encounter different risks during planting. Therefore, it is necessary to combine the modern agricultural management form and agricultural management demand, innovate the service content, and actively combine the government's policy guarantee to provide solid protection for the masses.

3.4. Increase support and improve the service level of insurance companies.

Due to the complexity and diversity of China's agricultural regional structure and numerous external risk factors, the development of agricultural insurance business in high-risk probability areas usually falls into a dilemma of operation and income. In order to encourage more farmers to participate in agricultural insurance, it is necessary for government departments to increase support, give play to policy advantages and stimulate the enthusiasm of agricultural insurance companies. On the other hand, agricultural insurance companies should innovate according to the actual situation and constantly improve their management level and service ability, so as to improve the quality of insurance and guide the people to participate in insurance better.

For the design of agricultural insurance content, it is necessary to clarify the audience and ensure that the insurance content is easy to understand and easy for villagers to understand. On the other hand, professionals should explain the technical terms involved in insurance contracts in time to help people better understand the contents. As far as agricultural insurance is concerned, it must be based on facts, evaluate risks through on-the-spot investigation, and formulate corresponding insurance clauses. Insurance needs to focus on the insured, ensure interests and effectively protect farmers' income.

3.5. Reduce insurance costs and promote the healthy development of the industry.

Although China is a big agricultural country, there is still a big gap between China's agricultural development model and developed countries such as the United States in terms of scale and development quality. At present, China's agricultural development is in an important transition period. There are some differences between agricultural insurance and actual demand, and there are many problems to be faced. Therefore, it is necessary to constantly innovate agricultural insurance and vigorously promote mature products to ensure the scale effect of agricultural insurance, thus providing impetus for rural economic development.

There is also an obvious problem in agricultural insurance in China, that is, the division of business and products has affected the profitability of institutions. Through combination innovation or embedded innovation, it can not only meet the needs of farmers, but also effectively reduce the insurance cost, thus broadening the insurance business channels. Driven by government departments and social forces, giving full play to the advantages of Internet technology can provide insurance companies with more income possibilities.

4. Conclusion

Agricultural insurance can guarantee the healthy development of rural economy and protect farmers' income. However, at present, due to the vast agricultural production area in China, there are obvious differences in agricultural production modes and risks faced by different regions. Therefore, agricultural insurance companies need to innovate insurance business and insurance content according to the actual situation, unite with government departments, increase policy support, improve service level, and help China's rural economy enter a new stage of development.

refer to

[1] Analysis of the function of rural agricultural insurance to rural economy under the strategy of rural revitalization in Xie Lin [J] Hubei Social Sciences 2020(08):84-89.

[2] Wang Yue, Zhang Weike, the impact of agricultural insurance development on rural total factor productivity-an empirical analysis based on spatial econometric model [J] Journal of Huazhong Agricultural University (Social Science Edition), 2019 (06): 70-77+162-1.

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