我国农业保险的发展研究

摘    要
当前，我国农村的发展已经进入了一个新的历史性阶段，农民社会保障问题已经开始成为我们关注的一个重要问题，特别是伴随着WTO的加入，更使得我们有必要拿起农业保险这个利器去维护农民的利益。在研究中发现我国的农业保险存在政策性经营方式不明确，经营具有局域性、缺乏巨灾保险，保险金额较低、保险责任较小，业务开展费用高、经营技术水平低，农业人口保险意识薄弱等问题。应采用加大农业保险政策性经营方式，建立风险分散机制、设立农业巨灾保险基金，完善农业保险防灾减灾措施，提高农业保险公司经营水平，加强宣传提高全民保险意识等措施加以解决。

关键词：农业保险；保险公司；政府支持

 
Abstract
Nowadays,the development of rural areas in China has gong into a new era.The problem related to social security of farmers has become a key one. Especially with Chinas entry into WTO,it is more necessary for us to make full use of agriculture insurance to protect farmers’ interests. In the study we found that China's agricultural insurance exist a number of questions such as:Policy-oriented management style is not clear. Operating with local and lack of Catastrophe Insurance .Lower the amount of insurance and smaller insurance liability .The high cost of business conduct. Low level of technology and people weak awareness of insurance.we should adopt the following measures to resolve them:
Increase the agricultural insurance policy operations.Establishment of mechanisms for risk diversification and catastrophe insurance fund.Improving the agricultural insurance disaster prevention measures .Raise the level of insurance companies operating.Step up publicity raise awareness of universal insurance.

Key words: agriculture insurance; company insurance; government support

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