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农业保险具有实施经济补偿、增进农民福利等多种功能,在经济市场化和全球化的趋势下,被视为发展农村经济有效的政策工具之一。长期以来,理论界和实践界都在探索适合我国国情的农业保险制度模式。本文在分析传统农业保险制度模式的局限性后,提出“开发新产品,联结保险和资本市场,促进风险有效分散”的农业保险制度新思路。
Agricultural insurance has various functions such as implementing economic compensation and improving farmers’ welfare. Under the trend of economic marketization and globalization, agricultural insurance is regarded as one of the effective policy instruments for rural economy development. For a long time, both theoretical and practical circles are exploring the agricultural insurance system model that suits our own national conditions. After analyzing the limitations of the traditional agricultural insurance system model, this paper proposes a new idea of agricultural insurance system of “developing new products, linking insurance and capital markets and promoting the effective dispersion of risks”.