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农业保险在我国起步较晚,当前,由于农业保险的保费较高与赔付率较高,加之缺乏良好的政策环境支持。我国农业保险市场出现了有效需求不足和供给短缺并存的现象。本文通过研究美国农业保险的成功经营经验,结合我国国情,提出了我国农业保险的应对措施以尽快完善我国农业保险市场,发挥对农业的保障作用,从而促进我国经济的发展。
Agricultural insurance started relatively lately in our country. At present, due to the higher premiums and higher payment rates of agricultural insurance, coupled with the lack of a good policy environment support. China’s agricultural insurance market has witnessed a combination of insufficient effective demand and supply shortages. By studying the successful management experience of American agricultural insurance and combining with China’s national conditions, this paper puts forward the countermeasures of agricultural insurance in our country so as to improve China’s agricultural insurance market as soon as possible and give play to the guarantee function of agriculture so as to promote the economic development of our country.