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| Problems Existing in Developing Agricultural Insurance for Gansu Highland Summer Vegetable and Several Suggestions |
| SUN Yuanqian，XIE Jianming |
| Gansu Agricultural University College of Horticulture，Lanzhou 730070，Gansu，China |
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Abstract Highland summer vegetable is mainly supplying the demand of southeastern coastal areas for vegetable in summer．It is produced by using cold and cool climate conditions．Agricultural insurance for highland summer vegetable can not only effectively protect the economic benefit of agricultural business entities，but also is an important measure for innovative development of agricultural insurance．This paper summarized the existing problems directing at Gansu highland summer vegetable industry development，risks faced，implementation process of agricultural insurance，and application effect．The paper mainly analyzed the following issues confronting agricultural insurance practice：insufficient insurance propaganda and promotion，government power lack of constraint，imprecise product development，mismatching financial subsidies and industrial demand，etc．The paper put forward measures and suggestions，including accelerating the enactment of agricultural insurance law，optimizing the insurance products development and design，establishing financial flexible subsidy mechanisms，and attaching importance to basic research of agricultural insurance，etc．，so as to effectively solve the natural risks caused by low temperature，drought，hail，and flood arising in Gansu highland summer vegetable production；and resolve market risk caused by product homogeneity and centralization of time to market．Thus，the basic position and function of agriculture in national economy was strongly stabilized．
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Received: 12 June 2023
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