中国是一个农业大国,又是世界上农业灾害较为严重的国家之一。近十年来,中国平均每年约有3亿亩农作物受灾,2亿多农村人口受到自然灾害影响。一遇灾害,即刻致贫,农业抗风险能力差,农村经济基础薄弱等情况显现无疑。农业保险是专门为农业生产者在从事种植业和养殖业生产过程中,对遭受自然灾害和意外事故造成的经济损失提供保障的一种保险。农业是弱质产业, China is a big agricultural country and one of the countries where agricultural disasters are more serious in the world. In the past decade, China has hit an average of 300 million mu of crops each year and more than 200 million rural people are affected by natural disasters. In the event of a disaster, immediate poverty, poor agricultural anti-risk ability, rural economic fundamentals such as the emergence of no doubt. Agricultural insurance is an insurance policy specifically designed to protect agricultural producers from economic losses caused by natural disasters and accidents during their farming and aquaculture production. Agriculture is a weak industry,