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农业处于自然和市场的双重风险下是一个弱势产业,但又是一个关系国计民生的重大产业,2004年我国成立了第一家专门的股份制农业保险公司,采用了一些新的策略和经营思路,主要实行“政府财政补贴推动、商业化运作”和“以险养险”的经营模式。笔者认为,保险公司还可以利用以下方法来控制可能产生的风险:充分利用分散化的策略,大力发展农作物组合而不是单个农作物保险,引入战略性的投资者参股企业。
Under the dual risks of nature and market, agriculture is a vulnerable industry, but it is also a major industry that is related to the national economy and the people’s livelihood. In 2004, China established the first specialized joint-stock agricultural insurance company and adopted some new strategies and business ideas, mainly Implementation of “government subsidies to promote, commercial operation” and “risk insurance” business model. The author believes that insurance companies can also use the following methods to control the possible risks: take full advantage of decentralized strategy, vigorously develop the crop rather than a single crop insurance, the introduction of strategic investor-owned enterprises.