郴州受频发的自然灾害影响,其农业生产受到严重损失。这迫切要求发展农业保险来保障农民生活和农业生产。尽管郴州农业保险近几年取得了一定的成效,但农业保险规模极小,仍然存在各种各样的问题,郴州农业保险仍处于保险公司不愿意卖、农民不愿意买的尴尬境地。农业保险发展陷入了难以大规模发展的困境。 Chenzhou is affected by frequent natural disasters and its agricultural production has suffered serious losses. This urgently requires the development of agricultural insurance to ensure the livelihood of farmers and agricultural production. Although Chenzhou agricultural insurance has achieved some success in recent years, the agricultural insurance is still very small in scale, and various problems still exist. Chenzhou agricultural insurance is still in an awkward position that insurance companies are not willing to sell or peasants want to buy. The development of agricultural insurance has plunged into the difficult situation of large-scale development.