近年来,国家出台了一系列政策破解“三农”难题,促进农民增收。然而,农业是典型的“靠天吃饭”型产业,自然灾害造成的严重破坏,往往导致农民“多年增收,遇灾返贫”。“三农”发展迫切需要农业保障机制的支持和保护。本文结合我国政策性农业保险的发展现状,以福建省南平市为例,对寻求政策性农业保险的突破口进行研究。 In recent years, the state has promulgated a series of policies to solve the “three rural” problems and promote farmers’ income. However, agriculture is a typical “dependent on the sky” type of industry. The serious damage caused by natural disasters often leads farmers to “increase income for many years and return to poverty after a disaster.” The development of “agriculture, rural areas and farmers” urgently needs the support and protection of the agricultural safeguard mechanism. Combining with the current development of policy-oriented agricultural insurance in our country, taking Nanping, Fujian as an example, this paper studies the breakthrough of seeking policy-oriented agricultural insurance.