Research on Agricultural Insurance and Its Operation Mode in Hunan Province 

Hong Yan, Zhuomin Li, Yunxiang Li 

College of Science, Hunan City University, Yiyang, 413049, China

Abstract: To promote the long-term healthy development of agriculture, we explore a business mode that can raise the level of security and ensure the profit demand of insurance companies. This paper explores the demand of agricultural insurance from the characteristics of natural environment, production conditions and grain types in various areas, and then carries out the risk analysis from the three aspects of natural inability, the moral hazard of the insured and the factors of market security. Finally, it puts forward some ideas on the operation mode of agricultural insurance in several aspects of the cooperation mode of the government and enterprises, the mining of agricultural subsidiary value, the innovative sales mode and the risk transfer.

Keywords: Agricultural insurance; Operation mode; Risk analysis; Risk transfer