Core Insights - The article highlights the rapid development of agricultural insurance in China, while emphasizing the persistent issue of inaccurate compensation, which hinders high-quality growth in the sector [1] Group 1: Factors Affecting Precision in Agricultural Insurance Compensation - The study identifies key factors influencing the precision of agricultural insurance compensation from the perspective of farmer demand, including the elimination of absolute deductibles, increased coverage levels, and enhanced premium subsidies [1] - Empirical data from Inner Mongolia and Jilin Province between 2010 and 2020 supports these findings [1] Group 2: Issues with Current Policies - The "one province, one fee" policy is noted to create two main issues: unfairness in premium payments and risk mismatches among farmers, and challenges in directing fiscal subsidies to high-risk areas [1] - Both issues significantly reduce the effectiveness of precise compensation in agricultural insurance [1] Group 3: Recommendations for Improvement - Recommendations include expanding the coverage of full-cost insurance and income insurance, increasing compensation rates under disaster conditions, and stabilizing post-disaster agricultural recovery [1] - Establishing a risk zoning mechanism based on natural disaster risks is suggested to address the inaccuracies caused by the "one province, one fee" policy [1] - Differentiated premium rates are proposed to align risk with premiums and guide fiscal subsidies towards high-risk areas, thereby enhancing compensation precision [1] - Optimizing the structure of premium subsidies by linking subsidy ratios to coverage levels is recommended to improve the efficiency of fiscal funding [1]