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近年来,我国农业保险继续保持了良好发展态势,业务规模快速扩大,服务领域逐步拓宽,组织形式趋于多元化,农业保险功能作用逐步发挥。然而随着农业保险覆盖面的日趋扩大、参保农户数量的日益增加,诸如法律法规尚不健全、巨灾风险分散机制缺失、专业人才缺乏、保险意识薄弱等问题的存在,制约着农业保险的进一步发展与完善。因此进一步发展我国农业保险需要加快立法进程,构建农业巨灾风险的分散机制度,加强人才培养,加大农业保险宣传力度。
In recent years, the agricultural insurance in our country has maintained a good momentum of development. Its business scale has expanded rapidly, the service sector has been gradually broadened, the organization forms have become more diversified, and the function of agricultural insurance has been brought into full play. However, with the increasing coverage of agricultural insurance, the increasing number of insured farmers, such as the imperfect laws and regulations, the lack of decentralized catastrophe risk mechanism, the shortage of professionals and the weak awareness of insurance, restrict the further development of agricultural insurance Development and improvement. Therefore, further development of China’s agricultural insurance needs to speed up the legislative process and build a decentralized mechanism for the risk of agricultural catastrophe, strengthen personnel training and intensify propaganda of agricultural insurance.