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保障农业产业健康持续发展,全面有效的涉农保险必不可少。近年来,随着农业产业化的快速发展,许多种养大户迫切需要对其经营项目进行保险,但往往却投保无门。原因在于农业保险在我国基本上是按商业保险模式经营的,商业保险公司无力也不愿承担风险巨大的农业保险责任。以人保公司为例,1982年开展农业保险业务,鼎盛时期有60多个险种,但高达116%的赔付率,使经营农业保险一直处于亏损状态。
To ensure the healthy and sustainable development of agricultural industry, comprehensive and effective agricultural insurance is essential. In recent years, with the rapid development of agricultural industrialization, many large-scale farming families urgently need to insure their business projects, but often they are insured. The reason is that agricultural insurance is basically operated by commercial insurance in our country, and commercial insurance companies are unable or unwilling to bear the huge agricultural insurance liability. In the case of PICC, the agricultural insurance business started in 1982 with more than 60 kinds of heyday, but up to 116% of the loss rate, making the operation of agricultural insurance has been at a loss.