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农业巨灾对国家、农户和保险公司都将造成难以估量的损失,建立法制化的农业保险巨灾风险分散机制对农业现代化的健康可持续发展具有深远的意义。我国目前在农业保险巨灾风险分散的法律和政策上均属探索起步阶段,需要结合国外先进农业保险立法经验,以中国问题为导向,在完善《农业保险条例》等相关立法的基础上,建立多层次的农业保险巨灾风险分散机制。
Agricultural catastrophe will cause immeasurable losses to countries, farmers and insurance companies. Establishing a decentralized risk mechanism of agricultural insurance catastrophe has a far-reaching significance for the healthy and sustainable development of agricultural modernization. At present, China is beginning to explore the laws and policies that disperse the risks of catastrophe insurance in agriculture. Based on the experience of foreign advanced agricultural insurance legislation and the guidance of China’s problems, we must establish the laws and policies such as the Agricultural Insurance Regulations Multi-level agricultural insurance catastrophe risk diversification mechanism.