Tableware, Dish, Bowl IDesigns , https://www.idesignshome.com
In order to stimulate and mobilize the enthusiasm of the new agricultural business entities and insurance institutions, the insurance mechanism to help the cultivation of new agricultural business entities and promote the structural reform of the agricultural supply side, Wu Yan put forward four specific suggestions.
First, the insurance mechanism can make up for the shortcomings of financing credit and enhance the financing development capability of new agricultural business entities. By virtue of its own risk management and capital advantages, insurance institutions can help new agricultural operators break through the bottleneck of lack of effective guarantees and collaterals by developing loan guarantee insurance, carrying out agricultural policy mortgage loans and developing exclusive asset management products. Financing needs for production and reproduction.
Developing new types of agriculture: the insurance mechanism can not be ignored
[ China Agricultural Machinery Industry News ] Wu Yan, member of the National Committee of the Chinese People's Political Consultative Conference and secretary of the Party Committee and Chairman of the People's Insurance Group of China, believes that the insurance mechanism should be used to help the cultivation of new agricultural business entities and promote the structural reform of the agricultural supply side.
Developing new types of agriculture: the insurance mechanism can not be ignored
First, adapt to the changing trend of agricultural management methods, and focus on agricultural insurance premium subsidies to the new agricultural management entities. With the “three powers separation†of land ownership, contracting rights and management rights, rural land management rights are concentrated in the new agricultural management entities. It is suggested that in accordance with the principle of reciprocity of responsibility, the agricultural subsidies, especially the agricultural insurance premium subsidies, will be converted from land contractors to land operators, and the new agricultural operators will use insurance mechanisms to carry out risk management and improve the ability of agricultural production to resist risks.
The second is to adapt to the risk appetite characteristics of the new agricultural business entities, and to include new agricultural insurance insurance into the scope of premium subsidies. With the advancement of agricultural industrialization, scale and intensive management, traditional agricultural insurance products with “low premium, low security and guaranteed cost†have been unable to meet the risk protection needs of new agricultural operators for price fluctuations and income losses. It is suggested that on the basis of the existing agricultural insurance premium subsidy classification, new agricultural insurance types such as output value insurance, price insurance and income insurance with stronger protection levels will be included in the scope of financial subsidies, and agricultural insurance will be promoted from the cost of insurance to the value of guaranteed production and price. , insurance income "upgrade.
The third is to adapt to the requirements of the WTO agricultural regulations, and convert agricultural subsidies from direct subsidies to premium subsidies. In the context of China’s agricultural product price subsidies and other “yellow box†policy support space is very limited, make full use of the agricultural insurance subsidy, the “green box†policy allowed by the WTO rules, and expand the scope of agricultural insurance coverage and increase the amount of subsidies. Increase support for agriculture.
The fourth is to adapt to the supply-side reform "cost reduction" policy guidance and increase policy support for agriculture-related insurance institutions. It is recommended that financial investment be made to set up agricultural insurance risk compensation funds, agriculture-related loan guarantee insurance risk compensation funds and other agricultural insurance risk compensation funds, and support insurance institutions to establish a diversified risk dispersion mechanism. The study expands the tax incentives for crop insurance, aquaculture insurance and forest insurance to other types of agriculture-related insurance, and enhances the enthusiasm of insurance institutions to promote agriculture-related insurance.
Wu Yan said that in practice, he realized that insurance, as a socialized and market-oriented risk transfer mechanism, can provide insurance coverage for the whole process and all factors for the new agricultural business entities, and make up for the shortcomings and resolution of financing credits. Market transaction risk, management of agricultural machinery equipment risks and improvement of life insurance protection have a unique role in improving the ability of new agricultural management entities to resist risks and market competitiveness, cultivating and expanding new agricultural management entities, and promoting structural reform of agricultural supply side.
Specifically, the role of the insurance mechanism in agriculture is mainly reflected in four aspects:
Second, the insurance mechanism can resolve the risk of market mechanisms and enhance the large-scale operation capability of new agricultural business entities. Due to the small elasticity of demand for agricultural products, agricultural production is vulnerable to market price fluctuations. The new agricultural management entities pay more attention to the market risks of value realization while paying attention to the risks of natural disasters. Introducing agricultural product price insurance mechanism and incorporating market risk into agricultural insurance protection can provide effective institutional arrangements for new agricultural business entities to cope with price fluctuation risks, and solve the worries of new agricultural business entities to promote large-scale operation.
Third, the insurance mechanism can manage the risks of agricultural machinery and equipment and improve the development level of agricultural machinery in the new agricultural management entities. By perfecting the insurance mechanism, the damage of agricultural machinery can be timely compensated and repaired. The incident of agricultural machinery injury can be timely processed and compensated, which can effectively reduce the impact of agricultural machinery accidents on production and operation activities, and encourage new agricultural operators to use modern technology and equipment to enhance agricultural productivity. Give full play to the important role of agricultural machinery in promoting scale management.
Fourth, the insurance mechanism can improve the protection of personal insurance and attract the attraction of new agricultural management entities to high-quality talents. Relying on insurance institutions to establish insurance plans for new-type professional farmers, higher levels of pension, medical care, accidental injuries, etc., can achieve the replacement and replenishment of the social security system, which is conducive to attracting and retaining high-quality talents.