Clarify the misunderstanding of the concept of policy-oriented agricultural insurance

At present, many people call agricultural insurance policy-oriented agricultural insurance, and if farmers do not buy it according to the path of commercial insurance, "government subsidy" seems to become the main symbol of agricultural insurance policy. Agricultural insurance with government subsidies is also regarded as "authentic". As a result, agricultural insurance has become a watershed with or without subsidies. This concept misleads many insurance companies to pursue government-subsidized agricultural insurance, which not only causes vicious competition, but also the fundamental problem of agricultural insurance has not been solved.

In fact, promoting the development of agricultural insurance does not lie in how many subsidies or policies, but in choosing the development mode and organizational system of corporate operation of commercial insurance. The guidance of government subsidies is only a supplementary condition, not a necessary condition. This is because, as long as agriculture has the basis of industrialization, farmers will have insurance demand and a certain premium payment ability, insurance premiums can also naturally enter the industrial cost, borne by consumers, and will not become a burden on farmers. However, the misunderstanding of our country for many years is to "commercialize the operation of small-scale agricultural insurance". It is considered that government subsidies have reduced the burden on farmers, but insurance companies have increased the burden on farmers because they need to make money. This conceptual confusion stems from the fact that the basic organizational system does not choose the internationally prevailing mechanism dominated by mutual assistance and cooperative insurance and reinsurance.

Throughout the international agricultural insurance market, there is no policy-oriented agricultural insurance organization form, because only mutual insurance, commercial insurance and social insurance are the three main forms of organizational system, any industry that needs insurance, the first thing we need to choose is not subsidies and policies, but the form of organizational system suitable for its development, that is, the matching of content and form. The second is the supply and support of the policy. Mutual insurance is suitable for the rural market, and the government can give policy subsidy and legislative support; commercial insurance is suitable for satellite high-speed railway bridge and large machinery export insurance, and the state can also give policy subsidies; and social insurance is suitable for old-age unemployment. The state can also give policy subsidies. From this we can see that the formulation of policy-oriented agricultural insurance is unscientific and inaccurate and should be corrected.

The CPC Central Committee and the State Council have repeatedly stressed that it encourages the development of mutual aid and cooperative insurance in rural areas because mutual insurance is a good match for farmers, which is conducive to giving full play to the organizational, technological and resource advantages of agriculture and fighting against disasters. establish a universal agricultural insurance guarantee system with low cost and wide coverage. Therefore, the key lies in how to choose the path of development. The reason why China's agricultural insurance has not developed since 1930, the problem mainly lies in the choice of road.

In the past, agricultural insurance has always been "old and difficult", insurance companies are difficult to do, and it is difficult for farmers to get satisfactory insurance protection. Since 2009, the insurance industry has gradually changed its mode of development and adopted the road of mutual insurance, which consists of government support, farmers' mutual assistance, association organizations and commercial insurance management, forming a United front. Now, with the icing on the cake of policy subsidies, farmers' satisfaction and participation will become better and better, which will solve the long-standing development problem, it can be seen that the road choice is the first important.