农业是国民经济和社会发展的基础。我国是农业大国,从事农村种植、养殖业的人数众多,而目前农村、农民没有适当的风险保障,又不得不直接承担农业生产过程中的自然风险和市场风险。这种情况不仅制约了农业现代化的进程,而且对农业、农村经济的健康发展和农村的稳定也构成了严重威胁。农业保险是市场经济国家扶持农业发展的通行做法。保险制度所特有的风险共担、经 Agriculture is the foundation of the national economy and social development. China is a big agricultural country with a large number of people engaged in rural planting and breeding. At present, farmers in rural areas do not have proper risk protection and have to directly bear the natural and market risks in agricultural production. This situation not only restricts the process of agricultural modernization, but also poses a serious threat to the healthy development of agriculture and rural economy and the stability of rural areas. Agricultural insurance is the common practice of market economy countries to support agricultural development. The risks unique to the insurance system are shared