农业保险是规避农业非系统性风险的重要财务手段，是现代农业发展的三大支柱之一。
黑龙江省作为全国农业大省之一,现阶段我省农民增收缓慢、农业保险实际日渐萎缩，其中的原因有政府方面的法律法规缺位、政策滞后、支持力度不足；保险公司面临商业性与农业保险的非盈利性难以调和、赔付率高、人才匮乏；而农民自身有效需求不足、保险意识淡薄等。所以加快农业保险立法是关键环节、因地制宜设计龙江农险模式、保证政府主导下商业保险公司经营模式运行的配套措施、做大做强阳光农业相互保险公司、构建龙江农业保险网络等是解决农业保险三方主体存在诸多问题的有效对策。
关键词：农业保险；相互保险；保险网络
Abstract
The agricultural insurance evades the agricultural non-systematic risk the important financial method, is modern agriculture development one of three big props. Heilongjiang province one of as national agriculture big provinces, is facing present stage our province farmer additionally receiving slowly, the agricultural insurance shrinks day after day the reality, in which reason has the government aspect laws and regulations vacancy, the policy lag, support dynamics to be insufficient; The Insurance company compromises, the loss ratio faced with the commercial character and agricultural insurance's nonprofit to be high with difficulty, the talented person is deficient; But farmer own effective demand insufficient, insurance awareness light and so on. Therefore speeds up the agricultural insurance legislation is the key link, acts as circumstances permit to design the Longjiang agriculture danger pattern, under the guarantee government leadership the business insurance company business model movement coordinated sets of measures, to do makes the strong sunlight agriculture mutual insurance company, to construct the Longjiang agricultural insurance network and so on is greatly solves the agricultural insurance tripartite main body to have many problems the effective remedies.
Keywords：agricultural insurance; mutual insurance; insurance network
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