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我国是世界上自然灾害最为严重的国家之一,灾害种类多、发生频率高、分布地域广,造成损失大,严重制约着农业的可持续发展。而我国现有的农业保险规模却远远不能满足农业经济发展的需要。针对我国农民风险意识淡薄,农业保险制度不完善,政策环境不乐观,经营农保的风险高以及农业保险缺乏立法支持等的现状及不足,对我国农业保险制度的完善提出了相关建设性的建议,如建立政策性保险制度,建立与WTO相适应的农业保险机构,加大财政补贴力度,完善法律法规等。
China is one of the countries with the most serious natural disasters in the world. There are many types of disasters, frequent occurrences and widespread geographical distribution, causing great losses and seriously restricting the sustainable development of agriculture. However, the current scale of agricultural insurance in our country can not meet the needs of agricultural economic development. In view of the current situation and insufficiency of our country’s farmer’s risk awareness, the imperfect agricultural insurance system, the unpleasant policy environment, the high risk of running agricultural insurance and the lack of legislative support for agricultural insurance, we put forward relevant constructive suggestions to improve the agricultural insurance system in our country , Such as establishing a policy-based insurance system, establishing an agricultural insurance institution compatible with the WTO, strengthening financial subsidies and improving laws and regulations.