Problems and Countermeasures of Policy-based Agricultural Insurance in China

Agricultural insurance is an important way to mitigate risk of agricultural operation，and policy-based agricultural insurance is basic strategy of implementing domestic agricultural support policy.Based on analysis of status quo of policy-related agricultural insurance in China，existing problems and reasons in current agricultural insurance policy were analyzed，development measures of agricultural insurance policy were explored，such as refine agricultural insurance subsidies standards，achieve precise subsidies，simplify insurance program，strengthen agricultural information technology innovation，realize organic combination of agricultural insurance and‘Internet+’，increase publicity of agricultural insurance，realize full coverage of agricultural insurance，and establish and improve concept of agricultural insurance underwriting mechanism and supervision mechanism.