Review on mechanism innovation and countermeasures of policy-oriented agricultural insurance in Zhejiang Province, China

doi:10.3969/j.issn.1004-1524.2022.05.23

Acta Agriculturae Zhejiangensis ›› 2022, Vol. 34 ›› Issue (5): 1081-1090.DOI: 10.3969/j.issn.1004-1524.2022.05.23

• Agricultural Economy and Development • Previous Articles Next Articles

Review on mechanism innovation and countermeasures of policy-oriented agricultural insurance in Zhejiang Province, China

GUO Liangxi¹(), HU Bao²^,^*()

1. School of Finance, Zhejiang Gongshang University, Hangzhou 310018, China
2. Institute of Rural Development, Zhejiang Academy of Agricultural Sciences, Hangzhou 310021, China

Received:2021-11-29 Online:2022-05-25 Published:2022-06-06
Contact: HU Bao

Abstract

Abstract:

Policy-oriented agricultural insurance is an institutional innovation to overcome the failure of agricultural insurance market. It is an important means to ensure the normal operation of agricultural production and operation. Zhejiang Province’s policy-oriented agricultural insurance work is at the forefront of China, and has created a large number of institutional supply achievements such as the “co-insurance model”, and has accumulated rich practical operation experiences, such as the “three main body cooperation” mainly promoted by the government, market operation and farmers’ voluntary, the “three guarantee directions” of ensuring costs, disasters and large households, and the “three-level premium subsidies” of central subsidies, provincial subsidies and county-levl subsidies. In the present study, we systematically summarize the institutional framework, insurance types, guarantee degree, premium subsidy, risk control, institutional evaluation and other operating mechanisms, institutional innovation and achievements of policy-oriented agricultural insurance in Zhejiang Province. In view of the background of comprehensively promoting rural revitalization in the new era, relevant reform countermeasures are put forward, such as promoting the high-quality development of policy agricultural insurance in the new era, establishing an insurance policy support mechanism for common prosperity, improving the policy insurance system of seed industry, grain and hogs, and deepening the digital reform in the field of policy-oriented agricultural insurance to further improve and innovate this system,.

Key words: policy-oriented agricultural insurance, operation mechanism, reform countermeasures, Zhejiang Province

CLC Number:

GUO Liangxi, HU Bao. Review on mechanism innovation and countermeasures of policy-oriented agricultural insurance in Zhejiang Province, China[J]. Acta Agriculturae Zhejiangensis, 2022, 34(5): 1081-1090.

Figures/Tables 3

References 13

[1]	徐婷婷, 荣幸. 改革开放四十年: 中国农业保险制度的变迁与创新: 历史进程、成就及经验[J]. 农业经济问题, 2018, 39(12): 38-50.
	XU T T, RONG X. Innovation of China’s agricultural insurance system in the 40 years of opening up and reform: historical progress, achievements and experience[J]. Issues in Agricultural Economy, 2018, 39(12): 38-50. (in Chinese with English abstract)
[2]	刘汉成, 陶建平. 中国政策性农业保险: 发展趋势、国际比较与路径优化[J]. 华中农业大学学报(社会科学版), 2020(6): 67-75.
	LIU H C, TAO J P. Policy-oriented agricultural insurance in China: development trend, international comparison and path optimization[J]. Journal of Huazhong Agricultural University (Social Sciences Edition), 2020(6): 67-75. (in Chinese with English abstract)
[3]	王璐. 我国政策性农业保险发展模式研究[J]. 环渤海经济瞭望, 2019(10): 173.
	WANG L. Research on the development model of policy agricultural insurance in China[J]. Economic Outlook the Bohai Sea, 2019(10): 173. (in Chinese)
[4]	陈运来, 舒伟斌. 我国农险共保体模式的创新经验及其制度启示: 以浙江和海南两省为例[J]. 北京联合大学学报(人文社会科学版), 2020, 18(2): 107-114.
	CHEN Y L, SHU W B. On the innovative experience of the model of agricultural coinsurance bodies in China and its institutional enlightenments: taking the two provinces of Zhejiang and Hainan as examples[J]. Journal of Beijing Union University (Humanities and Social Sciences), 2020, 18(2): 107-114. (in Chinese with English abstract)
[5]	魏超, 牛浩, 孙乐, 等. 政策性农业保险市场供求非均衡的测度及分析[J]. 世界农业, 2021(7): 11-22.
	WEI C, NIU H, SUN L, et al. Measurement and analysis of unbalanced supply and demand in the policy-based agricultural insurance market[J]. World Agriculture, 2021(7): 11-22. (in Chinese with English abstract)
[6]	庹国柱, 张峭. 论我国农业保险的政策目标[J]. 保险研究, 2018(7): 7-15.
	TUO G Z, ZHANG Q. On the policy objectives of agricultural insurance in China[J]. Insurance Studies, 2018(7): 7-15. (in Chinese with English abstract)
[7]	丁少群, 谭莉, 张玉凤. 我国政策性农业保险高质量发展的水平评估与实现路径[J]. 贵州大学学报(社会科学版), 2021, 39(4): 98-108.
	DING S Q, TAN L, ZHANG Y F. The level evaluation and realization path of the high quality development of China’s policy-based agricultural insurance[J]. Journal of Guizhou University (Social Sciences), 2021, 39(4): 98-108. (in Chinese with English abstract)
[8]	宋长鸣, 肖小勇, 李崇光. 地方政策性农业保险对农产品市场的影响研究: 以武汉市蔬菜市场为例[J]. 农业现代化研究, 2021, 42(1): 85-93.
	SONG C M, XIAO X Y, LI C G. The impacts of local agricultural insurance policies on agricultural product market: a case study of Wuhan vegetable market[J]. Research of Agricultural Modernization, 2021, 42(1): 85-93. (in Chinese with English abstract)
[9]	任天驰, 张洪振, 杨晓慧, 等. 农业保险保障水平与农户生产投资:一个“倒U型”关系: 基于鄂、赣、川、滇四省调查数据[J]. 中国农村观察, 2021(5): 128-144.
	REN T C, ZHANG H Z, YANG X H, et al. Agricultural insurance security level and farmers’ production investment: evidence from the survey data of Hubei, Jiangxi, Sichuan and Yunnan provinces[J]. China Rural Survey, 2021(5): 128-144. (in Chinese with English abstract)
[10]	王晓芹, 赵红彬. 江苏农业政策性保险发展现状、问题及对策[J]. 江苏农村经济, 2020(4): 58-61.
	WANG X Q, ZHAO H B. Current situation, problems and countermeasures of agricultural policy insurance development in Jiangsu[J]. Jiangsu Rural Economy, 2020(4): 58-61. (in Chinese)
[11]	王丹, 刘瀛弢. “共保体”模式能解决我国农业保险市场竞争问题吗?: 基于合成控制法[J]. 农村金融研究, 2020(5): 50-57.
	WANG D, LIU Y T. Can the “co-insurance” model solve the competition problem in China’s agricultural insurance market?: based on synthetic control method[J]. Rural Finance Research, 2020(5): 50-57. (in Chinese with English abstract)
[12]	王慧敏, 龙文军. 浙江省“共保体”农业保险经营模式的探索和思考[J]. 中国保险, 2013(4): 46-49.
	WANG H M, LONG W J. Exploration and reflection on the “Co-insurance” agricultural insurance business model in Zhejiang Province[J]. China Insurance, 2013(4): 46-49. (in Chinese)
[13]	李来永, 王冉. 借鉴“龙游模式”, 健全完善基层病死畜禽无害化处理机制[J]. 山东畜牧兽医, 2018, 39(4): 48-49.
	LI L Y, WANG R. Improve the harmless treatment mechanism of dead livestock and poultry at the grass-roots level via learning from the “Longyou Model”[J]. Shandong Journal of Animal Science and Veterinary Medicine, 2018, 39(4): 48-49. (in Chinese)

保险类别 Insurance type	保费额 Premium amount	保险额 Insurance amount	赔款额 Benefit amount
政策性农业保险	12.00	497.78	11.91
Policy agricultural insurance
渔业互助保险	7.96	1 927.55	5.10
Fisheries mutual insurance
合计Total	19.96	2 425.33	17.01

保险类别 Insurance type	保费额 Premium amount	保险额 Insurance amount	赔款额 Benefit amount
政策性农业保险	12.00	497.78	11.91
Policy agricultural insurance
渔业互助保险	7.96	1 927.55	5.10
Fisheries mutual insurance
合计Total	19.96	2 425.33	17.01

领域 Field	类型 Type	数量 Quantity	险种 Insurance	补贴构成 Subsidy composition
政策性农业保险 Policy-oriented agricultural insurance	中央险种 Central insurance	9	水稻、水稻制种、小麦、油菜、生猪、能繁母猪、奶牛、林木火灾、林木综合 Rice, rice seed production, wheat, rape, hogs, breeding sows, dairy cows, forest fires, forest comprehensive	中央、省级、地方 Central, provincial and local
	省级险种 Provincial insurance	13	大麦、大棚、棚内蔬菜、露地蔬菜、大棚西瓜、露地西瓜、葡萄、柑橘树、鸡、鸭、鹅、淡水养鱼、稻田养鱼 Barley, greenhouse, shed vegetables, open field vegetables, greenhouse watermelon, open field watermelon, grapes, citrus trees, chickens, ducks, geese, freshwater fish farming, fish farming in rice field	省级、地方 Provincial and local
	地方特色险种 Local specialty insurance	23	大棚草莓、水蜜桃、黑木耳、香菇、蘑菇、茶园、茶叶低温气象指数、杨梅采摘期降雨气象指数、芦笋价格指数、养蚕、湖羊、生态鳖、青蟹、生猪价格指数、花卉苗木、枇杷低温气象指数、浙贝母、蜜梨、大棚铁皮石斛、杭白菊采摘期降水指数、皇菊采摘期低温气象指数、黄桃、油茶低温气象指数 Greenhouse strawberry, peach, black fungus, shiitake mushroom, mushroom, tea garden, tea low-temperature weather index, bayberry rainfall weather index during picking period, asparagus price index, sericulture, Hu sheep, ecological turtle, Scylla, hog price index, flowers and seedlings, loquat low-temperature weather index, Fritillaria thunbergii Miq., honey pear, greenhouse Dendrobium officinale, rainfall index during Chrysanthemum morifolium cv. Hangbai picking, low-temperature weather index during imperial chrysanthemum picking, yellow peach, low-temperature weather index of oil tea	省级、地方 Provincial and local
		44	梨、甘蔗、糖果蔗、春茶、高山蔬菜、大棚瓜果、叶菜成本价格、叶菜零售价格、农业机械、两头乌猪目标价格、黄牛、水稻、新型农业经营主体、蜜梨风力指数、鲜桃、大棚薄膜、茭白、莲子、山核桃降雨指数、猕猴桃、柑橘果、羊、生姜、蜜蜂、蓝莓、蚕茧目标价格、葡萄价格指数、毛竹收购价格指数、青鱼、甜瓜、雪梨花期气象指数、清水鱼、池塘循环流水淡水鱼、高价值林木、杨梅价格指数、香榧高温干旱气象指数、湖羊价格、中蜂、雪梨、温郁金、温栀子目标价格、两头乌养殖扩展、“红美人”柑橘、枇杷 Pear, sugar cane, candy cane, spring tea, alpine vegetables, greenhouse fruits and vegetables, leafy vegetables cost price, leafy vegetables retail price, agricultural machinery, target price of Chinese two-end-black pigs, yellow cattle, rice, new agricultural management body, honey pear wind index, fresh peach, greenhouse film, Zizania latifolia, lotus seeds, pecan rainfall index, kiwifruit, citrus fruit, sheep, ginger, honey bee, blueberry, silkworm cocoon target price, grape price index, moso bamboo purchase price index, piceus, melon, snow pear weather index during flowering period, clear water fish, pond circulation freshwater fish, high value forest trees, bayberry price index, high-temperature dry weather index of Chinese torreya, Hu sheep price, Chinese bee, snow pear, Radix curcumae, target price of Curcuma wenyujin, breeding expansion of Chinese two-end-black pigs, “Hongmeiren” citrus, loquat	地方Local
政策性渔业互助保险 Policy-oriented fisheries mutual insurance	省级险种 Provincial insurance	2	渔船、雇主责任险 Fishing vessel, employer’s liability insurance	省级、地方 Provincial and local
	地方特色险种 Local specialty insurance	16	海水鱼、淡水鱼、海水虾、淡水虾、龟鳖类、海水池塘蟹虾贝混养、浅海贝类、浅海藻类、名特优水产品、渔业基础设施、休闲渔船承运人责任、冷藏渔船渔获物、远洋捕捞货物、渔船修造企业财产、渔船建造、涉渔团体意外 Marine fish, freshwater fish, marine shrimp, freshwater shrimp, turtle and turtle species, mixed farming of crab, shrimp and shellfish in pond with seawater, shallow sea shellfish, shallow sea algae, special aquatic products, fisheries infrastructure, recreational fishing vessel carrier liability, refrigerated fishing vessel catches, offshore fishing cargo, fishing vessel repair enterprise property, fishing vessel construction, fishing-related group accidents	地方 Local

领域 Field	类型 Type	数量 Quantity	险种 Insurance	补贴构成 Subsidy composition
政策性农业保险 Policy-oriented agricultural insurance	中央险种 Central insurance	9	水稻、水稻制种、小麦、油菜、生猪、能繁母猪、奶牛、林木火灾、林木综合 Rice, rice seed production, wheat, rape, hogs, breeding sows, dairy cows, forest fires, forest comprehensive	中央、省级、地方 Central, provincial and local
	省级险种 Provincial insurance	13	大麦、大棚、棚内蔬菜、露地蔬菜、大棚西瓜、露地西瓜、葡萄、柑橘树、鸡、鸭、鹅、淡水养鱼、稻田养鱼 Barley, greenhouse, shed vegetables, open field vegetables, greenhouse watermelon, open field watermelon, grapes, citrus trees, chickens, ducks, geese, freshwater fish farming, fish farming in rice field	省级、地方 Provincial and local
	地方特色险种 Local specialty insurance	23	大棚草莓、水蜜桃、黑木耳、香菇、蘑菇、茶园、茶叶低温气象指数、杨梅采摘期降雨气象指数、芦笋价格指数、养蚕、湖羊、生态鳖、青蟹、生猪价格指数、花卉苗木、枇杷低温气象指数、浙贝母、蜜梨、大棚铁皮石斛、杭白菊采摘期降水指数、皇菊采摘期低温气象指数、黄桃、油茶低温气象指数 Greenhouse strawberry, peach, black fungus, shiitake mushroom, mushroom, tea garden, tea low-temperature weather index, bayberry rainfall weather index during picking period, asparagus price index, sericulture, Hu sheep, ecological turtle, Scylla, hog price index, flowers and seedlings, loquat low-temperature weather index, Fritillaria thunbergii Miq., honey pear, greenhouse Dendrobium officinale, rainfall index during Chrysanthemum morifolium cv. Hangbai picking, low-temperature weather index during imperial chrysanthemum picking, yellow peach, low-temperature weather index of oil tea	省级、地方 Provincial and local
		44	梨、甘蔗、糖果蔗、春茶、高山蔬菜、大棚瓜果、叶菜成本价格、叶菜零售价格、农业机械、两头乌猪目标价格、黄牛、水稻、新型农业经营主体、蜜梨风力指数、鲜桃、大棚薄膜、茭白、莲子、山核桃降雨指数、猕猴桃、柑橘果、羊、生姜、蜜蜂、蓝莓、蚕茧目标价格、葡萄价格指数、毛竹收购价格指数、青鱼、甜瓜、雪梨花期气象指数、清水鱼、池塘循环流水淡水鱼、高价值林木、杨梅价格指数、香榧高温干旱气象指数、湖羊价格、中蜂、雪梨、温郁金、温栀子目标价格、两头乌养殖扩展、“红美人”柑橘、枇杷 Pear, sugar cane, candy cane, spring tea, alpine vegetables, greenhouse fruits and vegetables, leafy vegetables cost price, leafy vegetables retail price, agricultural machinery, target price of Chinese two-end-black pigs, yellow cattle, rice, new agricultural management body, honey pear wind index, fresh peach, greenhouse film, Zizania latifolia, lotus seeds, pecan rainfall index, kiwifruit, citrus fruit, sheep, ginger, honey bee, blueberry, silkworm cocoon target price, grape price index, moso bamboo purchase price index, piceus, melon, snow pear weather index during flowering period, clear water fish, pond circulation freshwater fish, high value forest trees, bayberry price index, high-temperature dry weather index of Chinese torreya, Hu sheep price, Chinese bee, snow pear, Radix curcumae, target price of Curcuma wenyujin, breeding expansion of Chinese two-end-black pigs, “Hongmeiren” citrus, loquat	地方Local
政策性渔业互助保险 Policy-oriented fisheries mutual insurance	省级险种 Provincial insurance	2	渔船、雇主责任险 Fishing vessel, employer’s liability insurance	省级、地方 Provincial and local
	地方特色险种 Local specialty insurance	16	海水鱼、淡水鱼、海水虾、淡水虾、龟鳖类、海水池塘蟹虾贝混养、浅海贝类、浅海藻类、名特优水产品、渔业基础设施、休闲渔船承运人责任、冷藏渔船渔获物、远洋捕捞货物、渔船修造企业财产、渔船建造、涉渔团体意外 Marine fish, freshwater fish, marine shrimp, freshwater shrimp, turtle and turtle species, mixed farming of crab, shrimp and shellfish in pond with seawater, shallow sea shellfish, shallow sea algae, special aquatic products, fisheries infrastructure, recreational fishing vessel carrier liability, refrigerated fishing vessel catches, offshore fishing cargo, fishing vessel repair enterprise property, fishing vessel construction, fishing-related group accidents	地方 Local

保险类别Insurance type	贴补渠道Subsidy channels	2018	2019
政策性农业保险	中央财政Central finance	2.55	2.62
Policy-oriented agricultural insurance	省级财政Provincial finance	2.30	2.48
	县级财政County-level finance	1.88	1.98
	小计Subtotal	6.73	7.08
政策性渔业互助保险	中央财政Central finance	0.007 4	0
Policy-oriented fisheries mutual insurance	省级财政Provincial finance	0.797 0	0.720 9
	县级财政County-level finance	0.218 7	0.196 4
	小计Subtotal	1.023 0	0.917 3
合计Total		7.753	7.997

Review on mechanism innovation and countermeasures of policy-oriented agricultural insurance in Zhejiang Province, China

RichHTML

PDF (PC)

Knowledge

Abstract

Cite this article

share this article

Figures/Tables 3

References 13

Related Articles 15

Recommended Articles

Metrics

Comments

[1]	WANG Lijuan, CHEN Yangfen, XU Mengjie. Study on agricultural cross-regional investment location and its decision-making mechanism from perspective of rural revitalization: a case study of Zhejiang Province [J]. Acta Agriculturae Zhejiangensis, 2022, 34(4): 841-850.
[2]	GU Xingguo, MIN Qingwen, WANG Ying, WANG Bin. Conservation and development of agricultural heritage systems in Zhejiang Province, China: progress, problems and countermeasures [J]. Acta Agriculturae Zhejiangensis, 2022, 34(2): 397-408.
[3]	FU Linlin, MAO Xiaohong, MAO Xiaobao, CAI Rixuan. Evaluation of comprehensive grain production capacity in Zhejiang Province in 2013-2018 [J]. Acta Agriculturae Zhejiangensis, 2021, 33(9): 1748-1758.
[4]	YE Han, WU Bowen, XU Hongwei, GAN Muye, ZHANG Jing, WANG Ke. Analysis on influencing factors and spatial distribution of leisure agriculture at provincial level based on geographic big data: a case study of Zhejiang Province, China [J]. Acta Agriculturae Zhejiangensis, 2021, 33(7): 1264-1274.
[5]	MIAO Miao, ZE Hanlu, WU Yonghua. Spatio-temporal evolution characteristics of cultivated land use transition in Zhejiang Province [J]. Acta Agriculturae Zhejiangensis, 2021, 33(4): 753-760.
[6]	MENG Youqing, WANG Enguo, CHEN Wujian, LI Yanmin, CHENG Fan, MENG Minxia. Distribution and growth dynamics of Candidatus Liberibacter asiaticus positive Asian citrus psyllid in Zhejiang Province [J]. Acta Agriculturae Zhejiangensis, 2021, 33(3): 464-469.
[7]	FU Linlin, MAO Xiaobao, MAO Xiaohong, LI Haitao, WANG Jin. Comprehensive evaluation on sustainable development level of agriculture and regional difference in Zhejiang Province: based on high-quality development perspective [J]. , 2020, 32(10): 1880-1889.
[8]	WANG Yulei, WANG Jie, SHAN Yingjie, ZHU Youwei. Study on grain production in Zhejiang based on factors decomposition of cultivated land use [J]. , 2017, 29(10): 1605-1610.
[9]	YU Peng 1， 2， WANG Junmei 1， 2， YE Shenghai 2， ZHAI Rongrong 2， ZHU Guofu 2， JIN Qingsheng 2， ZHANG Xiaoming 2， *. Effects of seeding date on rice quality of conventional photosensitive japonica rice in Zhejiang Province [J]. , 2016, 28(5): 724-.
[10]	YU Yin\\|quan，WANG Shu\\|jin. The choice of cooperation mechanism between leading enterprises and family farms： The empirical analysis based on the enterprise level [J]. , 2015, 27(7): 1259-.
[11]	ZHAO Hai\\|yan， YAN Li\\|jiao*， YANG Wei\\|kang， FANG Tian. Assessment of landscape visual quality for rural residential environment: Zhejiang Province as a case [J]. , 2015, 27(5): 813-.
[12]	LIN Min， ZHANG Mingzhuo*， TAO Shuyuan. Evaluation and spatial pattern of rurality in Zhejiang Province#br# [J]. , 2014, 26(4): 1116-.
[13]	YANG Tianhui1，2， CHEN Jinhong1，*. Investigation and analysis on application of agricultural advanced suitable technologies in Zhejiang Province#br# [J]. , 2014, 26(4): 1128-.
[14]	WU Rong;LIN Xiaojia;CHEN Youwu;CHEN Wujian;ZHANG Mingzhe;ZHONG Genxiu;CHEN Xi. Studies on the biological characteristic and the control of Opogona sacchari in Zhejiang [J]. , 2014, 26(3): 0-736741.
[15]	JI Xiaojiang;CHEN Yi;WU Chunyan;LI Chaoying;LI Yan;TANG Xu*. Current status and evolution trends of soil nutrients in the paddy soils in Zhejiang Province [J]. , 2014, 26(3): 0-775778.