“国民经济和社会发展第十三个五年规划纲要”明确提出“加快建立巨灾保险制度”。我国分散或转移巨灾风险的传统路径具有强政府干预性、事后性、政策主导性等特征。未来我国农业巨灾保险法律制度设计应当在一定程度上依赖传统路径,发挥制度的叠加效应。与此同时,路径不是一成不变的,应当顺应时代潮流变更传统路径,让农业巨灾保险法律制度设计更为科学化、合理化。 “The 13th Five-Year Plan for National Economic and Social Development ” clearly states “accelerating the establishment of a catastrophe insurance system ”. The traditional path of decentralization or transfer of catastrophe risk in our country is characterized by strong government intervention, hindsight and policy predominance. In the future, the design of the legal system of agricultural catastrophe insurance in our country should rely on the traditional path to a certain extent and give play to the superposition effect of the system. At the same time, the path is not immutable and should follow the trend of the times to change the traditional path and make the design of the agricultural catastrophe insurance legal system more scientific and rational.