农业保险是有别于商业保险的另一类业务,它对于分散农业风险,促进农业资源合理分配,促进农产品总量和质量提高,保障农业再生产和扩大再生产有着重要意义。因此,世界上大多数国家将农业保险与商业保险区别开来,给予经济上、法律上和必要的行政支持。在我国,尽管政府十分重视农险事业,但从总体上看,由于历史和现实等多种因素的制约,许多方面还没有真正把农险业务提到议事日程,纳入农业总体规划中:一、现行的商业保险和政策性保险兼营体制不适应农业保险的大力发展。我国目前的农业保险业务主要由中保财险公司经营,随着中保公司商业化改革力度的加大,《保险 Agricultural insurance is another type of business that is different from commercial insurance. It is of great significance to disperse agricultural risks, promote the rational distribution of agricultural resources, promote the total output and quality of agricultural products, ensure agricultural reproduction and expand reproduction. As a result, most countries in the world differentiate agricultural insurance from commercial insurance and give them financially, legally and necessarily administrative support. In our country, although the government attaches great importance to the cause of agriculture and forestry, on the whole, due to many factors, such as history and reality, many aspects have not really included the agricultural insurance business into its agenda and include it in the overall agricultural planning: The current commercial insurance and policy-insurance system do not meet the development of agricultural insurance. China’s current agricultural insurance business is mainly run by PICC Property and Casualty Insurance Company. With the intensification of the commercialization reform of PICC, "insurance