Strategies to enhance the ability of rural households to resist economic risks under agricultural insurance system management
Li Liwei

340822********0249

Abstrac：This article explores the impact of agricultural insurance system management on rural households 'ability to withstand economic risks. It analyzes the fundamental functions of agricultural insurance and its role in mitigating economic risks for rural families. The article highlights the current shortcomings in agricultural insurance, particularly in product design, coverage, and claims mechanisms, which hinder its effectiveness. To address these issues, the article proposes strategies such as optimizing the insurance product system, enhancing policy support, strengthening farmers' risk awareness education, and promoting the integration of agricultural insurance with rural finance. By drawing on advanced international practices, the article also discusses the direction for reforming China's agricultural insurance system. Research indicates that a robust agricultural insurance system can significantly enhance the economic resilience of rural households, providing strong support for the stable development of agriculture and rural revitalization.

Keyword：Agricultural insurance; rural households; economic risk resistance

Reference

[1] Dong Chong, Feng Xingyuan. Construction of Agricultural Catastrophe Insurance System from the Perspective of Food Security [J]. Academic Journal, 2024, (11):197-209.
[2] Qiao Dehua. Research on Agricultural Risk Management and Agricultural Insurance System: A Case Study of Gansu Province [J]. Journal of Productivity Research, 2021, (11):77-85.
[3] Zheng Jun, Sheng Kangli. A Review of Institutional Innovation Research on Agricultural Insurance Services for Rural Revitalization Strategy [J]. Journal of University of Electronic Science and Technology (Social Sciences Edition), 2020,21 (04):85-92.