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时下,农业保险正遭遇到这样的尴尬处境,即按商业化操作的要求制定保险费率,农民根本保不起;按农民可以接受的标准制定保险费率,保险公司赔不起(《中国青年报》3月2日)。如此,就形成了一个制约农业保险正常运行的经济瓶颈,农村保险市场也成为诸多保险机构不敢擅自涉足的“雷池”。近年来,受这种瓶颈效应的影响,农险业务在迅速萎缩,险种不断减少,已由最多时的60多个险种,下降到目前的不足30个,有的保险
Nowadays, agricultural insurance is experiencing the embarrassing situation of formulating premium rates according to the requirements of commercial operation so that peasants can not afford to make any difference at all. Insurance companies can not afford to make insurance premiums at a standard acceptable to peasants (“Chinese youth Newspaper ”March 2). In this way, an economic bottleneck is formed that restricts the normal operation of agricultural insurance. The rural insurance market has also become the “Thunder Pool” where many insurance companies are afraid to get involved without permission. In recent years, under the influence of this bottleneck, the agricultural insurance business is rapidly shrinking and the number of insurance products declining has dropped from more than 60 types at the most, to less than 30 at present. Some insurances