American model
Represented by the United States and Canada. Under this model, the government will promise to establish an official crop insurance company, exempt from all taxes, and provide some subsidies for operation and management costs. Crop insurance companies directly engage in policy agricultural insurance. In principle, farmers are willing to take out insurance, but there are also compulsory conditions to urge farmers to take out insurance, such as proportional premium subsidies, farmers' credit, production adjustment, price subsidies, etc., all of which are related to whether or not to take out insurance. The formation of this development model in the United States has gone through four stages: pilot, accelerated development, government policy, mixed operation of government and private companies, government policy, comprehensive operation and agency of private companies. By 2000, the government completely withdrew from the direct business of agricultural insurance and handed over all the direct business to private companies for operation or agency. The government provides premium subsidies, expenses (including fixed losses) subsidies, reinsurance support and tax incentives to private insurance companies that undertake agricultural insurance, and bears the expenses of federal crop insurance companies, as well as the promotion and education expenses of crop insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Voluntary mutual insurance model in Europe
European agricultural mutual insurance organizations are based on various agricultural producers' cooperative organizations, among which German-French agricultural mutual insurance is typical. Germany is mainly engaged in small-scale mutual assistance and cooperation insurance. This kind of organization has no share capital, and its members pay their share of losses in proportion. The German government gives support to mutual assistance and cooperation insurance, such as subsidies and reinsurance, and the state finance will support catastrophe compensation. The operation of mutual insurance for cash crops and tobacco leaves in France is the most striking. The French government gives strong legal and financial support to various forms of mutual insurance. ? 1984, the French government set up an agricultural disaster fund to provide subsidies and compensation for the risk losses that mutual insurance organizations could not bear.
Japan's regional agricultural mutual aid system
In Japan, agricultural insurance is operated by regional agricultural cooperatives. The government establishes a national agricultural insurance system by providing part of operating expenses and reinsurance, and the insurance of major agricultural and livestock products is compulsory.
Bao Ge reminds: What are the development models of foreign agricultural insurance? From the perspective of insurance system and organization, the agricultural development insurance model mainly includes the American model, represented by the United States and Canada; The voluntary mutual insurance model in Europe is typical of German-French agricultural mutual insurance. Japan's regional agricultural mutual aid system.