我国农村地域辽阔,交通不便,保险标的高度分散。由于不同地区的纬度、地形、地势、气候、土壤、水分等自然条件不同,再加上社会经济、生产条件、作物种类和技术水平的不同,决定了农业保险的地域性特点,因此在全国范围内统一实行农业保险经营,必然具有费率厘订上的不科学性以及业务管理上的不方便性。笔者认为。我国农业保险经营的理想模式是在农业保险合作社的基础上建立农险股份有限公司。 农业保险合作社是农业自保风险的保险组织形式,是该模式的基层经营方式,一般要求以乡为单位设立农业保险合作社,采取自愿保险和强制保险相结合的经营方式,对关系到国计民生的险种实行强制保险,而对于普通风险可由农民自愿投保。农业保险合作社主要负责基层的各种保险业务,例如签订各种农业保险合同、向保户收缴保费、为支付赔偿进行损失调查、支付赔偿费、向农民提供预防损失的措施和服务等。农业保险合作社的资金来源主要包括 China’s vast rural areas, traffic inconvenience, the subject of a highly dispersed insurance. Due to the different natural conditions such as latitude, topography, topography, climate, soil and water in different regions, together with the differences of social economy, production conditions, crop types and technical level, the regional characteristics of agricultural insurance are decided. Therefore, Within the unified implementation of agricultural insurance business, there must be rate unsure on the science and business management of the inconvenience. the author thinks. The ideal model of China’s agricultural insurance business is to establish a rural insurance Co., Ltd. on the basis of agricultural insurance cooperatives. Agricultural insurance cooperatives are the insurance organization form of agricultural self-protection risk and the basic management mode of this model. It is generally required to set up agricultural insurance cooperatives by units of township and take the combination of voluntary insurance and compulsory insurance, Compulsory insurance, but for ordinary risk can be voluntary insurance farmers. Agricultural insurance cooperatives are mainly responsible for the various insurance businesses at the grassroots level, for example, signing various agricultural insurance contracts, collecting premiums from policyholders, conducting surveys on losses for payment of compensation, paying compensation fees and providing farmers with measures and services to prevent losses. The main sources of funding for agricultural insurance cooperatives include