Agricultural Insurance is specially engaged in planting for agricultural producers、Forestry、In the process of animal husbandry and fishery production,，Due to natural disasters、Accident、Disease、Disease and other insurance accidents, an insurance form that provides protection of economic losses。To promote the development of agricultural insurance、Energy of improving farmers participating in agricultural activities，Since 2007，The Ministry of Finance implements the Party Central Committee、Relevant spirit of the State Council，According to the "government guidance、Market operation、Autonomous voluntary、Coordinated Promotion "principle，The implementation of agricultural insurance premium subsidy policy，Never increase support，Promote agricultural insurance "expansion、Bidding、Adult Pin "。After more than 10 years of development，The implementation of this series of policies has effectively promoted the sustainable and healthy development of agricultural insurance in my country，Improving the enthusiasm of agricultural production and farmers' income，But there are still some potential problems，and facing the challenge of a new period。In order to further improve the accuracy of policy performance and subsidies、Direction，During the implementation process of the future agricultural insurance subsidy policy，It should be improved and strengthened from the following aspects。

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One aspect，Continue to improve the agricultural insurance premium subsidy variety system，Actively pilot and introduce awards policy。On the basis of autonomous voluntary local，Increase more varieties into the subsidy range，bet365 Play online games a complete agricultural insurance premium subsidy variety system formed a complete agricultural insurance premium subsidy species，Meet the risk protection requirements of different planting farmers。On the other hand，Subsidies for management fees、Reinsurance subsidies and tax discounts are also subsidy policies to promote the development of agricultural insurance。This requires to further clarify the important position of agricultural insurance subsidy policy，Toolbox that improves and enriches agricultural insurance subsidy policies，Effectively improve the efficiency and effect of agricultural insurance subsidy policy。

　　Second，Starting from our national conditions，Carry out a suitable agricultural insurance subsidy policy。

Different countries or regions due to their own economic foundation、Different from the status of disaster and the status of agriculture in the national economy，Its agricultural insurance subsidies are also different，Therefore, specific choices should be made according to their own national conditions。Compared with a strong country such as the United States and other agricultural insurance countries，my country's agricultural insurance exists "low starting point、wide coverage "characteristics，The current guarantee level is mainly materialized costs。But，Frequent agricultural natural disasters in my country、Vissed distribution surface and average annual loss，The government should actively improve the support of agricultural insurance subsidy policy，Promoting the development Bet365 lotto review of agricultural insurance，Diversify agricultural risks、Stable agricultural production。From the perspective of future development trends，Price insurance and income insurance are the advanced stage of agricultural insurance development。The government shall more fiscal subsidy funds from the business specifications、Reasonable rate、Significant service network、Insurance claims data True institutional tilt，Popular and reasonable to insurance clauses、Product development business tilt in the direction of agricultural insurance。higher output Bet365 app download value、Have regional characteristics、Farmers are willing to be capable and capable of burning premiums，Under the premise of meeting the basic needs through government subsidy insurance，Do a good job of policy "grafting"，Give full play to the role of the commercial insurance mechanism。

　　third，Avoid "one knife and cut"，Implementation of differentiation、Regional agricultural insurance subsidy form。

United States、Japan and other developed countries when developing premium subsidies，Generally considering the difference in insurance varieties、Differences in planting scale、Regional differences、Treat rate differences, etc.，and my country's premium subsidy ratio currently lacks differentiation，It is slightly different based on the differences in regional and insurance varieties。China is a vast agricultural country，Natural conditions in each region、The level of economic development、There are great differences in agricultural planting structures，This determines that my country's agricultural insurance cannot engage in the "one -size -fits -all" model，and can only be under the unified policy deployment，Develop insurance products suitable for regional characteristics。For the Eastern Region，More encouraging insurance companies to carry out agricultural insurance products innovation，Development and underwrite high -efficiency agricultural insurance products; for the western region，Increase policy tilt，Improve government subsidy level。Agricultural insurance development in the central and western regions should focus on low insurance amount、Low premium、High subsidy form，First choose the way to keep cost，After the agricultural insurance capacity of local farmers has gradually increased，Refining the premium and relatively high premiums、Form for the preservation income。At the same time，my country should also actively learn from the experience of developed countries，Improve the efficiency of fiscal subsidies for agricultural insurance，The form of continuous improvement bet365 live casino games of fiscal subsidies and transparency。In terms of subsidy ratio of the central government and local governments，To improve the efficiency of fiscal subsidies，Differential management should be implemented according to the development status of different regions，to reduce the financial pressure of the local government。

　　Fourth，Strengthening department linkage，Improve the supervision and evaluation mechanism of agricultural insurance subsidy policy。

Constantly improving the supervision and evaluation mechanism of agricultural insurance subsidy policy，Strengthen the management of subsidy funds。First，In promotion of "Five to Provincial、One hook "while，Regulatory mechanism for further improve the agricultural insurance policy，The use of agricultural insurance subsidy funds into the scope of key supervision，Comprehensive use of audit supervision、The Ministry of Finance's local commissioner's office for inspection、Patrol、Supervision and other professional forces，Regularly organize special supervision，Professional、Normal supervision，Strengthen the management of premium subsidy funds，Effectively improve the efficiency of subsidy funds。Next，Actively strengthen the performance evaluation of agricultural insurance subsidy policy，Requires local finances to conduct regular evaluations，Active performance evaluation results、Publicly disclose to the society in time，To accept social supervision。again，Explore the introduction of the third -party evaluation mechanism and performance evaluation system of society，Objective to key projects、Independent and fair evaluation and assessment。Last，Further improve the key spot check、Special Audit、Performance assessment and other project supervision systems，Especially give full play to the power of the audit department，The systemicity of improving inspection with audit standards、Professional and authoritative。

　　Fifth，Innovative methods，Establish and improve agricultural risk analysis and prevention mechanism。

In order to overcome the information asymmetry in the field Bet365 lotto review of agricultural insurance，Reduce moral bet365 best casino games risk and reverse selection behavior，Agricultural risk analysis and prevention mechanism should be established as soon as possible，Responsible for collecting、Sort and provide relevant information and services，Including regional geographical information、Agricultural risk loss statistics、Agricultural Meteorological Disaster Monitoring、Knowledge of disease -related and animal epidemic prevention、Agricultural risk early warning system and strengthening disaster prevention and prevention service，Realize the resource sharing of agricultural insurance participation subjects，Effectively improve the level of risk prevention and insurance of farmers，Reduce government coordination costs and operating costs of operating agencies，Promoting the healthy development of agricultural insurance，Improve agricultural insurance subsidy policy performance。Specifically，Smart management system of agricultural insurance gradually promoting agricultural insurance，For the special ear marks and special archives of the special archives of the sow insurance，Application of remote sensing technology or small drones of the positioning and investigation of insurance standards，Exploring the new model of agricultural insurance "underwritten" and "claiming"; technically strengthen coordination with relevant departments，Create the breath index insurance、Low temperature frost damage index insurance、Wind Disaster Index Insurance、Production insurance and other index insurance products，Effectively solve the problem of agricultural insurance reverse selection and moral risk control problems。

　　Sixth，Strengthen talent cultivation，Increase the training and publicity education of agricultural insurance business。

Agricultural insurance operations due to their particularity and complexity，Compound talents that need to understand both insurance technology and agricultural technology。Current，The training of agricultural insurance talents in my country is far behind the development Bet365 lotto review of agricultural insurance，Fully power of the agricultural insurance team，seriously hindered the development of agricultural insurance。So，Cultivate a large number of insurance、Agriculture、Animal Husbandry、Agricultural insurance talents with professional knowledge such as meteorological and other are the top priority。This requires relevant central departments to strengthen work guidance and business training at the grassroots level，Improve the policy and business quality of financial personnel at all levels，Strengthen the cultivation and reserves of professional talents; summarize and promote good experience at home and abroad、Good approach，Further play the positive role of agricultural insurance services "agriculture, rural areas, and rural areas"，To accelerate the implementation of rural revitalization strategies，Fully built a well -off society to make new contributions。At the same time，In most farmers' agricultural risk awareness、Under the actual conditions of the lack of insurance knowledge，Grass -roots governments and insurance institutions in various places should take multiple ways and methods，Strengthen the nature of farmers to agricultural insurance、Denior understanding of the role and the method of insurance and compensation，Promote the combination of farmers voluntarily and administrative organizations，Efforts to form a policy environment and publicity atmosphere that is conducive to the development of agricultural insurance，Effectively improve the insurance consciousness and prevention ability of the majority of farmers。

　　(This article is a major project of the National Social Science Foundation "Research on the Research on my country's Macro Regulation target system and macro -control mechanism" (15zda009)、China People's Property and Insurance Co., Ltd. Disaster Research Fund Project "Agricultural Insurance Policy Performance Evaluation Research" (2018B02) phased achievement)

(The author is the Deputy Dean of the School of International Economics and Trade of the Central University of Finance and Economics、Professor)