近几年,在政府财政补贴下,作为政策型险种的农业保险(以下简称“农险”)业务的综合成本率始终保持在90%左右,远低于财险行业的平均水平。而在网点、战略等因素制约下,国内经营农险的财险公司较少,早期主要由人保财险经营,2004年后成立了五家专业农险公司,目前国内农险行业处于人保财险、中华联合及专业农险公司组成的寡头垄断格局。 In recent years, under the financial subsidies of the government, the integrated cost rate of agricultural insurance (hereinafter referred to as “agricultural insurance”) as a policy-type insurance has remained at around 90%, well below the average level of the property insurance industry. In the network, strategy and other factors, the domestic business of agricultural insurance companies less, early mainly by the PICC property management, after 2004 set up five professional agricultural insurance companies, the current domestic agricultural insurance industry is in PICC , China United and professional agricultural insurance company composed of oligopoly pattern.