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我国农业保险自恢复开办以来发展缓慢,其原因主要体现在农业保险的政策性质与商业保险公司经营目标之间矛盾和农业保险的高费用、高费率与农民购买力较低之间的矛盾上,但是由于农业发展本身的特点,农业产业结构升级、农民增收及WTO框架下解决“三农”问题的要求使我国有必要从三个方面改革完善农业保险制度。
The reason why China’s agricultural insurance has been developing slowly since the restoration started was mainly due to the contradiction between the policy nature of agricultural insurance and the business objectives of commercial insurance companies and the high cost of agricultural insurance and the contradiction between the high premium rate and the low purchasing power of farmers. However, due to the characteristics of agricultural development itself, it is necessary for our country to reform and improve the agricultural insurance system in three aspects because of the upgrading of the structure of agricultural industry, the increase of peasants’ income and the requirement of solving the “three rural issues” under the framework of WTO.