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农业是国民经济的基础,其发展事关国计民生。农业在产业链中面临灾害的威胁最大,农民个体抗灾害能力最弱。在我国,农业生产分布较分散,农业保险法缺失,导致农业保险缺乏国家支持,保费较高,覆盖面较小。通过研究我国农业保险制度的现状,同时借鉴发达国家相关经验,本文提出了我国农业保险制度的框架。
Agriculture is the foundation of the national economy and its development is related to national economy and the people’s livelihood. Agriculture faces the greatest threat to disasters in the industrial chain, and farmers have the weakest resilience to disasters. In our country, the distribution of agricultural production is relatively scattered, and the lack of agricultural insurance law has resulted in the lack of state support for agricultural insurance. The premiums are higher and the coverage is smaller. By studying the status quo of China’s agricultural insurance system and drawing lessons from the relevant experience of developed countries, this paper puts forward the framework of China’s agricultural insurance system.