一、市场风险。近年来农产品供大于求趋势更加明显,市场竞争越来越激烈,农民首先碰到的是“卖难”问题。农民自身开拓市场的能力尚有局限性,由于把握不了千变万化的大市场,以至于频频出现“柑橘挂在枝头、蔬菜烂在田里、生猪存在栏里”的现象,导致增产不增收。二、自然风险。近年来各地气候异常,灾害频率加大,小灾变大灾现象增多;农业生态环境的恶化使抗御自然灾害的能力减弱;国内的保险机构一直 First, the market risk. In recent years, the trend of oversupply of agricultural products has become more obvious. The market competition has become increasingly fierce. The first problem the peasants have come across is the issue of “selling difficulties.” Farmers own ability to open up the market there are still limitations, due to the ever-changing market can not grasp, so frequently appeared “citrus hangs in the branches, vegetables rotten in the fields, live pigs in the bar ” phenomenon, resulting in increased production does not increase income . Second, the natural risk. In recent years, the weather has become an anomaly around the world, increasing the frequency of disasters and increasing the number of catastrophic catastrophes. The deterioration of agro-ecological environment has weakened the ability to resist natural disasters. The domestic insurance agencies have been