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我国农业生产面临的最大风险是当农业遭受巨大灾难时造成的巨额经济损失。农业巨灾保险基金的设立对分散农业巨灾风险、提高农业保险人承保能力、发展农业科技、保障农村经济稳定发展有重要意义,其作为分散农业遭受巨灾后风险的制度保障有重要作用。本文以农业巨灾保险基金为研究对象,阐述了农业巨灾保险基金的概念、性质和特征等基本内容,分析了我国农业巨灾保险基金试点存在的问题,结合我国实际情况,为我国设立全国性农业巨灾保险基金提出了建议。
The greatest risk to our country’s agricultural production is the huge economic loss caused when the agricultural sector suffered a great disaster. The establishment of Agricultural Catastrophe Insurance Fund plays an important role in dispersing the risk of agricultural catastrophe, improving the underwriting ability of agricultural insurers, developing agricultural science and technology, and ensuring the stable development of rural economy. It plays an important role as a system guarantee for decentralized agriculture suffering catastrophe risk. This paper takes the agricultural catastrophe insurance fund as the research object, elaborates the basic content of the concept, the nature and the characteristics of the agricultural catastrophe insurance fund, analyzes the problems existing in the pilot of agricultural catastrophe insurance fund in our country, Sex Catastrophe Insurance Fund made recommendations.