The subject of this thesis is primarily to discuss the positioning and feasibility of implementing agriculture insurance in Taiwan, especially on the methods applicable in enforcing agriculture insurance. In this paper, we try to analyze the problems from various respects, including economic environment, developing environment, policy, participating parties’ behavior, and financing respect, and hope to find out the best method of implementing agriculture insurance.
First of all, we collect the agriculture insurance systems in several major countries in the world and analyze their current situations, implementing methods, and benefits and difficulties, then takes their experience as an model for Taiwan to have a better agriculture insurance system. This thesis also includes interviews with many government officials, industrial experts and professionals, in order to understand the possibility of practicing agriculture insurance in Taiwan. With which it can also be a direction for promoting agriculture insurance for the appropriate government departments.
Based on the practical experience gained from the said countries above and the interviews with the related expects, we concludes that it is the timing to Taiwan to implement the agriculture insurance with the system of government monitor but management through private companies, because of the less manpower load and higher efficiency. Moreover, to mitigate the farmers’ burden, the agriculture insurance needs a policy of lower premium rates and higher subsidies. Finally, the government should also need to provide the insurance companies with some subsidies and preferential tax rate to encourage them to participate in this policy insurance plan.