论我国农业风险与农业保险的变革

随着我国计划经济向市场经济的迅速过渡，本来就面临着巨大自然风险的农业又要遭受市场风险和制度风险的冲击。农业保险是WTO规划下适用且有效分散风险、保护农业的途径，而我国现阶段商业农业保险的规模过于狭小，无法完成保护农业的重任，因而农业保险必须有政府参与，并从保险需求、保险供给和保险的法律规范几个方面入手，扩大农业保险的范围，使之为农业提供各个方面的保护和支持。

On Agricultural Risk and Reformtion of Agriculture Insurance in China

Accompanying with the transitional period that planned economy turns into market economy,agriculture,which is facing huge natural agriculture risk originally,will now suffer with the risk of market and institution.However agriculture insurance is an efficient channel to disperse risk and protect agriculture and also suit for the regulation of WTO.But the present scale of commercial agriculture insurance is too narrow to endure the burden of sheltering agriculture of our country.So our government must participate in it from the aspect of demand?supply and law of agriculture insurance,enlarging the extent of it,then make it possible to supply every side of protection and support for the agriculture.