当前我国农业保险发展的主要问题及对策建议

我国农业保险正面临着极好的发展机遇,出现了良好的发展势头,但目前仍然存在制约我国农业保险发展的诸多因素,主要是:农业风险本身的可保性差;农业保险经营技术落后;农民收入低,政府投入少;以及法律法规建设的缺位等。我国农业保险要健康有序的发展,必须改进农业保险经营技术;建立有效的再保险机制;增加政府投入,逐步实行以支持农业保险为主的农业保护政策;加快农业保险立法进程,使农业保险走上规范化制度化发展的轨道。

Main problems and countermeasures for the development of China's agricultural insurance

There is a great opportunity and a good trend of the development of China's agricultural insurance at present. However, there still exist many elements that restrict the development of agricultural insurance, such as agricultural risk not ideally insurable; backward operation technique; the farmers having low earnings and lack of supports from the government; and the absence of relevant laws and regulations. In order to develop agricultural insurance in a healthy and orderly way, agricultural insurance operation technique must be improved; reinsurance system must be built. Meanwhile, the government should increase investment and carry out agricultural protection policy that aims to support agricultural insurance; and legislation process be sped up so as to develop agricultural insurance in a regularized and systematic way.