农业现代化背景下的政策性农业保险发展探讨

在农业现代化不断加快的大背景下,完善农业政策性保险制度刻不容缓。结合田野调查,研究发现在农业政策性保险发展方面虽取得一定成果,仍存在农民认识不充分、参保意愿不高、法规体系不完善、财政补贴方式不科学、抵御巨灾能力较弱、监管机制不健全等问题。应从加大宣传力度、发展信贷保险模式、完善法律法规、加大财政补贴力度、建立巨灾基金、发展再保险、明确监管责任等方面解决我国农业保险发展难题。

Development Inquiring of Policy Agricultural Insurance under the Background of Agricultural Modernization

Under the background of agricultural modernization accelerating,it is a brook no delay task to improve the policy agricultural insurance system. Combined with field investigation,the research shows that the development of agricultural insurance policy although makes some achievements,there are still some problems such as the inadequacy of farmers＇ understanding,less intense of insured willingness,imperfections of legal system,unscientific subsidies,unsound regulatory mechanisms etc. Some measures should be adopted to solve the development challenges of agricultural insurance,such as increasing propaganda,developing credit insurance,improving laws and rules,reinforcing financial allowance,establishing catastrophe insurance fund,developing reinsurance,clear regulatory responsibility etc.