[ China Agricultural Machinery Industry News ] Insurance is the product of the market economy. Only when human beings enter the market economy can they generate insurance that requires modern meaning.
Whether it is family business or business management, it is a commodity operator who buys for sale. Is it true that he is responsible for the “boss†who is responsible for the risk of input and output? Can't take it!
China's agricultural machinery mutual assistance insurance urgently needs national legislation
Real case: Hebei couples bought agricultural machinery not only did not get rich or return to poverty
The farmer household bought a harvester of 80,000 yuan, the government subsidized 30,000 yuan, and 50,000 yuan of his own. Some of the money was borrowed by relatives and friends. If you want to get rid of poverty and get rich, you will be injured, and you will be injured if you go out to work accidents, or if you lose your car, or if you encounter someone else, you sometimes have to spend several times more money than you buy a car.
This year, a couple of people in Hebei opened a harvester of 80,000 to the Henan Zhumadian to collect wheat into the operation. As a result, an accident on the road led to the death of an old lady. The local public security traffic police and agricultural machinery supervisor immediately detained the car and asked them to pay 8 Ten thousand, the latter has to spend money. Because there is no insurance, the couple became a "tears." Deputy Director Hu of the Agricultural Machinery Bureau of Zhumadian told me about this, saying that the peasants are very miserable, but he does not have the mutual insurance of agricultural machinery like our Zhumadian. We can’t do anything about it. We can only buckle the car and let them go back and find the money. It is difficult to be responsible. This is not to buy a farm machine, not only did not get rich, seeing back to poverty.
Agricultural mutual insurance system helps farmers resolve risks
Speaking of the market economy is very simple: a commodity, a currency, the equivalent exchange of rights and interests. Money is not, but no money is really not good, money is protection, money is credit, money can break economic responsibility, farmers can't swim in the sea of ​​modern agriculture without money, but how come money? A cooperative financial and mutual insurance system suitable for agricultural farmers must be established.
The United States, France, and Japan are the countries with developed agricultural insurance in the world today. However, they have established the national agricultural disaster insurance system through mutual aid and cooperation insurance. Why should mutual insurance be passed? Because agricultural insurance risks are high and costly, it is a public risk protection system that supports the national economy and the people's livelihood, and it is difficult to commercialize profits. It is not suitable for commercial insurance business. Only when the country and the farmers come together to help each other and pick this burden can they live this day.
China's agricultural machinery insurance for many years, commercial insurance companies can not handle, farmers can not get effective institutional guarantees. The reason is that the state mistakenly believes that the insurance company can do it. The insurance company began to think that it can do it. Later, it could not withdraw. It was because the concept judgment was wrong, and the state did not do it. The government also supported the guidance without support. The peasants were at a loss and managed to manage this risk.
Agricultural insurance is not a simple government to spend money to subsidize money to open the way, but a question of the construction of a legal and institutional system. What should the state do in this system? What should the government do? What should the business entity do? What should be done for family business of farmers? What else is the agency doing? There is a clear placeholder and division of labor, which is like a plus machine, is a whole, but the combination of components play different roles.
Agricultural insurance urgently needs national legislation
Large-scale production of machinery is an important symbol of modern industrial society. In particular, it must have a legal system, a process, and a strict organization. Otherwise, there will be accident losses and embarrassment. The same is true for agricultural insurance. First, we must design the function and mission of the top layer, and choose the right development path. Because China has no initial stage of mutual insurance development through insurance, agricultural insurance has long chosen a path of commercial insurance, the state and the government. The positive position is always on the track. Although the State Council's agricultural insurance regulations were enacted in 2013, the basic road is also commercial insurance. Therefore, a financial person from the Sunshine Agriculture Mutual Insurance Company asked me a few days ago: There is no agricultural mutual insurance law, and the industrial and commercial, taxation, risk fund accumulation, financial expense accounting, etc. are all trying to operate in the dark, and urgently need national legislation.
The road to agricultural insurance system construction is the right choice for mutual insurance.
First of all, the national task is legislation, and international experience is no different.
Second, what does the government do? Guided by law, policy support, and establishment of agricultural insurance organization system based on mutual assistance and cooperation, such as France's UNITA, Japan National Agricultural Mutual Union, US Agricultural Risk Management Bureau - Federal Crops (Re) Insurance + Private Agency Management + Mutual Aid Insurance agency, etc. The status and role of the government is support. The first is to lead the organization, the second is to promote development, the third is policy guidance, and the fourth is limited funding subsidies. Because agricultural insurance is different from commercial insurance, it is a public risk protection system, and the government has its credibility and is in its place.
Third, mutual insurance institutions, such as the National Agricultural Machinery Mutual Insurance Agency (proposed) system? Management and management services, that is, county branch mutual insurance, provincial branch unified insurance, the general agency reinsurance reinsurance. Because agricultural insurance is a public risk protection system, it does not exist and does not require commercial competition because it is not for profit. Only the mutual insurance organization system needs to operate according to law, serve members and serve the national food security. However, our country is now financially subsidized for commercial operations, and dozens of companies are competing. This is in need of adjustment from the institutional mechanism design.
Fourth, the position and role of the competent government departments is to guide, supervise, maintain, improve the organizational system and protect the public's rights and interests in accordance with laws and policy objectives.
Fifth, the status and role of insurance companies, insurance brokerage companies, and agency companies are: responsive, and able to do what they can. 1. The insurance company provides supplementary reinsurance and reinsurance according to the needs; Second, the insurance brokerage company, the research and design institute provides expert management and guidance cadre training services. Third, the insurance agent provides services for the agent to handle the business.
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