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南京市独特的联办共保农业保险法律制度存在政府、保险公司、农户三方关系未能厘清,农户参与、知情权容易受到侵害,农业保险监督管理机制尚未建立,经营行为存在不规范之处等具体问题。本文认为应从进一步厘清三方权责利益关系、最大化发挥联办优势,从承保、查勘、条款告知等方面切实保障农户参与、知情权,建立分别针对政府、保险公司、农户的监管手段来规范农业保险经营行为这三方面寻求完善南京市农业保险法律制度的对策。
In Nanjing, the unique legal system for co-insurance of agricultural insurance failed to clarify the tripartite relationship between the government, insurance companies and farmers. Farmers’ participation and the right to information were easily infringed upon, and the agricultural insurance supervisory and management mechanism has not yet been established and there are irregularities in business operations. Specific issues. This paper argues that we should clarify the relationship between the rights and interests of the three parties, maximize the advantages of joint ventures and ensure farmers’ participation and right of information from the areas of underwriting, investigation and provision of terms, and establish regulatory measures that target the government, insurance companies and farmers, respectively, to regulate agriculture Insurance business behavior in these three areas seek to improve the legal system of agricultural insurance in Nanjing measures.