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目前中央政府致力于经济反哺农业,建立农业支持保护体系,出台一系列建立社会主义新农村的政策措施,这为建立具有中国特色的农业保险模式带来了历史性机遇。农业保险具有政策性与制度性特征,从国际经验来看,农业保险大都采取了政策性扶持加市场化运作的模式。中国农业保险也需要建立制度性和政策性模式,但由于中国作为发展中国家的国情,完全财政包办模式是难以为继的。因此,建立以政策为主导、多主体、多元化的农业保险模式是中国农业保险必然的选择。在不违背其商业目标的同时,商业保险在农业保险模式建立过程中应充分发挥其作用和职能,同时也面临市场发展、结构调整和业务创新的三大历史性机遇。
At present, the central government devotes itself to economic nurturing of agriculture, establishing a system of agricultural support and protection, and promulgating a series of policies and measures for establishing a new socialist countryside. This has brought historic opportunities for setting up an agricultural insurance model with Chinese characteristics. Agricultural insurance has the policy and institutional characteristics. From the international experience, most of the agricultural insurance has adopted the mode of policy support and market-oriented operation. China’s agricultural insurance also needs to establish a systematic and policy-based model. However, due to China’s national conditions as a developing country, it is unsustainable that the model of complete financial arrangement will be unsustainable. Therefore, the establishment of a policy-led, multi-agent, diversified agricultural insurance model is an inevitable choice for China’s agricultural insurance. While not violating its commercial goals, commercial insurance should give full play to its role and function in the process of setting up the agricultural insurance model. At the same time, commercial insurance also faces three historic opportunities in market development, structural adjustment and business innovation.