政策性农业保险问题研究

摘    要
政策性农业保险是促进农业保险发展的根本动力，也是帮助我国农民彻底摆脱贫困的一种手段。我国政策性农业保险存在缺乏巨灾支持保护体系、缺乏财政税收支持的制度性安排、缺乏农业保险的法律法规、全社会保险意识有待增强、对政策性农业保险的监管不够严格等问题。应采用构建多层次的农业巨灾风险分散机制、进一步加大政策扶持力度、加快农业保险立法进程、加强政策性农业保险宣传教育、设立政策性农业保险监管机构等对策加以解决。

关键词：政策性农业保险；分散风险机制；财税支持
 
Abstract
Study the policy-oriented agricultural insurance is to promote the development of agricultural insurance is the fundamental motive, helping farmers to eliminate poverty. China agricultural insurance lack of catastrophe, lack of financial support system to protect the institutional arrangement, taxation support of agriculture insurance law, the social insurance consciousness to be enhanced, the policy-based agriculture insurance regulatory not strictly. Construction of agriculture should be adopted multilevel catastrophe risk, and further intensify scattered mechanism policy support, accelerate agricultural insurance legislation process, strengthening the policy-based agriculture insurance in propaganda education, set up the policy-oriented agricultural insurance regulatory agencies countermeasures to solve them.

Keywords：policy-oriented agricultural insurance; dispersive risk mechanism; fiscal support

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