| Summary: | 碩士 === 大葉大學 === 管理學院碩士在職專班 === 107 === Taiwan's geographical environment is special, and it suffers from the disaster-causing weather system, causing huge agricultural losses each year. Over the years, the government has helped farmers to rehabilitate and rehabilitate with cash assistance or low-profit loans. However, the damage assessment technology is difficult, the amount of cash assistance is high, and the benefits of low-profit loans are limited. It is difficult to fill the economic losses of farmers and even affect national food security. Therefore, a right national policy for agrucultural risk management is urgent and extremely important.
The agricultural industry insurance started from grafted pears insurance policies in 2015, gradually expanding the scope and items of insurance products. Insurance products are still being developed in succession, and most of the farmers who buy agricultural insurance are voluntary. Although the government subsidizes some premiums, now there are still various implementation dilemmas that need to be overcome.
This study explores the agricultural insurance system in the United States, China, Japan and South Korea, and analyze the business models, specialized agencies, financial support, disaster investigation systems and reinsurance experience of those countries. We will find out what we can learn from other countries experience.to implement agriculture insurance in Taiwan and give some advices to farmer associations to let them play their roles to assist farmers to participate agricultural insurance.
Key Words : Risk management, Agricultural insurance, Business model, Exploration systemm
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