Abstract
The deterioration of global ecological environment results in the frequency and intensity of natural disasters, and many factors such as GDP, interest rate level, fiscal and monetary policy indirectly affect the development of agricultural insurance market. To analyze the operating efficiency and effect of insurance institutions, we should first make clear the current situation and characteristics of the natural environment, policy environment, social environment and technical environment in which insurance institutions operate agricultural insurance business, and analyze the current situation of natural environment and economic environment respectively according to the characteristics of agricultural production. It is the premise and basis of analyzing the strategic planning and operating efficiency of agricultural insurance companies to make clear the external environment of agricultural insurance companies.
Highlights
The deterioration of global ecological environment results in the frequency and intensity of natural disasters, and many factors such as GDP, interest rate level, fiscal and monetary policy indirectly affect the development of agricultural insurance market
To analyze the operating efficiency and effect of insurance institutions, we should first make clear the current situation and characteristics of the natural environment, policy environment, social environment and technical environment in which insurance institutions operate agricultural insurance business, and analyze the current situation of natural environment and economic environment respectively according to the characteristics of agricultural production
Macro environment is the synthesis of various factors that indirectly affect the development of agricultural insurance business, so the impact of macro environment on agricultural insurance business is complex and time-delay [3]
Summary
The positive externality of agricultural insurance determines that insurance institutions supply agricultural insurance products at a premium level higher than the maximum acceptable to the insured. The government's behavior directly affects the operating efficiency and operating effect of agricultural insurance business of insurance institutions under the macro environment and industrial environment. Macro environment is the synthesis of various factors that indirectly affect the development of agricultural insurance business, so the impact of macro environment on agricultural insurance business is complex and time-delay [3]. To analyze the impact of government behavior on the operating efficiency and effect of insurance institutions, we should first make clear the current situation and characteristics of the natural environment, policy environment, social environment and technical environment in which insurance institutions operate agricultural insurance business, and analyze the current situation of natural environment and economic environment respectively according to the characteristics of agricultural production
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