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农业保险是一项重要的经济补偿制度 ,它对保障农业生产的发展、缩小城乡差距、实现城乡统筹、增加农民收入、促进农村经济的持续发展具有十分重要的作用。由于种种原因 ,我国农业保险目前还存在诸多问题。要推动我国农业保险的发展 ,则必须站在城乡统筹的高度 ,建立政策性农业保险制度 :(1)使农业保险服务与商业性保险公司分离 ,建立国家和地方农业保险公司 ;(2 )对农业保险实行税赋的优惠政策 ,不征收营业税和所得税 ;(3 )广泛开辟农业保险基金来源和渠道 ;(4 )农业保险公司应增强防灾意识 ;(6)培养和建设一支高素质的农业保险专业队伍。
Agricultural insurance is an important economic compensation system. It plays a very important role in ensuring the development of agricultural production, narrowing the gap between urban and rural areas, realizing urban and rural co-ordination, increasing farmers’ income and promoting the sustainable development of rural economy. Due to various reasons, there are still many problems in China’s agricultural insurance. To promote the development of China’s agricultural insurance, we must establish a policy-oriented agricultural insurance system at the level of overall planning of urban and rural areas by: (1) separating agricultural insurance services from commercial insurance companies and establishing national and local agricultural insurance companies; (2) (3) Broaden the sources and channels of agricultural insurance funds; (4) Agricultural insurance companies should enhance their awareness of disaster prevention; (6) Train and build a high-quality Agricultural insurance professionals.