改革开放以来,农村保险保障事业的发展明显地落后于整个农村经济的改革步伐,农村经济的市场化与农业生产受制于自然条件的特点,迫切地提出了建立市场经济的新型农业和农村保险制度的要求。尽管1982年以来中国人民保险公司为农村和农业保险的发展作出了巨大的努力,但由于按照商业保险的办 Since the reform and opening up, the development of rural insurance protection has obviously lagged behind the pace of reform in the entire rural economy. The marketization of rural economy and the agricultural production are subject to the characteristics of natural conditions. Therefore, a new type of agriculture and rural insurance system for establishing a market economy Request. Although PICC has made tremendous efforts for the development of rural and agricultural insurance since 1982, due to the fact that according to commercial insurance