农业保险经营模式的创立和完善必须符合这样一条规律，即经营模式创新与转变所带来的利益应当超过维持现状所能得到的利益。
当前我国农业保险发展面临市场失效且农业保险具有局限性、农业保险具有较大的风险性、制度供给不足、农业保险制度受到制约等问题。应采用因时并因地制宜的开展农业保险、建立有效的风险分散机制。政策性农业保险和商业性农业保险的有效结合有完善的制度保证、完善农业保险制度等对策加以解决。
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关键词：农业保险；经营模式；政策补贴
Abstract
The creation of agricultural insurance business model and improve to meet such a rule change that business model innovation and the benefits should be more than the interests of maintaining the status quo can be. Currently facing the development of China's agricultural insurance and agricultural insurance market failure, have limitations, agricultural insurance has a greater risk, insufficient supply systems, agricultural insurance system under constraints and other issues. And local conditions should be used when launching a result of agricultural insurance, establish an effective mechanism for risk diversification. Policy-oriented agricultural insurance and agricultural insurance business effective combination of a good system to ensure and improve the system of agricultural insurance measures to solve them.
Keywords：agricultural insurance; business model; policy subsidies
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