关键词: 农业保险;种植业;保险费;自然灾害风险;风险管理

Abstract:

In order to provide scientific basis for analyzing the Central Government premium subsidy amount and for  allocating premium subsidy to planting industry in China, the demand of premium subsidy by 9 crops in each province (city, or municipality) was calculated and analyzed based on crop acreage, substance & service cost, premium rates and percentage of central government financial subsidy. The result indicated that the total demand of policy premium subsidy in China was 9.977 billions RMB. However, the Central Government financial budget for premium subsidy in agriculture industry (including planting industry and stockbreeding) was only 6.05 billions RMB, which was far below the demand of planting industry, and even we did not take the increasing cost of substance and service into account. Besides, the demand of per unit area was larger in the undeveloped regions, because the local government's ability to pay premium subsidy was weaker, the cost for substance and service there was relatively higher and the payment ability of rural resident was poorer. Therefore, the percentage of Central Government premium subsidy should be increased in those undeveloped regions, so as to insure the overall implementation of policy agriculture insurance under the principle of ‘low security and wide coverage’.

Key words: agro-insurance, planting industry, premium, natural disaster risk, risk management