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农业灾害具有灾害种类繁多、灾害损失波及范围广、连锁性、周期波动性等特点,湖北省地质环境复杂,自然灾害种类多、灾情严重,是长江流域洪涝灾害发生频率最高、受灾最严重的省份之一,各类灾害长期困扰着湖北省农业及整个经济的发展。鉴于我国农业风险地区差异大、经济发展的非均衡性和我国财政的现实状况,农业保险经营必须因地制宜、因时制宜。
Agricultural disasters have the characteristics of many kinds of disasters, wide range of disaster losses, chaininess and periodic fluctuation. Hubei Province has complicated geological environment, many natural disasters and serious disaster. It is the most frequent flood disaster in the Yangtze River Basin and the most affected part First, all kinds of disasters have long plagued the development of agriculture and the entire economy in Hubei Province. In view of the large differences in agricultural risk areas in our country, the unbalanced economic development and the actual state of our country’s finance, agricultural insurance operations must be tailored to local conditions and time-based.