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Mutual Agricultural Insurance System in Our Feasibility Study Each other the plight of agricultural insurance system 1, The mutual insurance system design its own system for defects (1) Non-profit interests with members of contradiction.Although the system of mutual insurance companies in favor of the non-profit objectives of the company from maximizing the interests of insurers, the surplus when the company, the members can pay their premiums based on how much and enjoy the profits earned by the company, but often their own non-profit management neglect leading to profits, regardless of the cost and effectiveness, thereby ignoring the interests of members. Each system in other types of insurance such as life insurance and motor vehicles, because the pay is relatively low, and the surplus that may arise, members easy access to the premium rebate (bonus), but in the field of agricultural insurance, coupled with the high rate of non-payment profitability of the soft constraints, it is difficult to be members of a dividend, the interests of management and members is very difficult to achieve consensus. (2) Ts limited to the management drive function. Makes Insurance companys council members is generally mutually elects by the member produces, it constituted the member and between the management principal-agent in fact relates. These the administrative personnels who elects are not had the wage or the wage are very low, work quality and social prestige suspension hook. Because the management lacks the effective drive, very possible to pursue own benefit to neglect members benefit, thus inevitable real estate unfamiliar road Germany risk question. Recent year, makes the Insurance company mutually to guarantee the management result, starts to recruit the professional manager to the society, what these professional manager pursue is the personal income maximization, makes the Insurance company mutually, although can also pay and the achievement related bonus, but provide