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目前我国的保险主体架构难以适应大面积开办和发展农业保险的需求,存在商业性保险公司受制、专业性保险公司受限、政策性保险公司受阻的问题。加速建立多种形式的农业保险体系,是推进农业保险发展的当务之急,是建立社会主义新农村的重要组成部分。建立和完善新型农业保险体系,要坚持体制上的多样性、区位上的特殊性、中介代理的灵活性、分保机制的配套性。加速制定农业保险法,促进各保险主体的建立和完善,提高保险主体的专业技能,搞好衣险新产品的开发推广,是发展农业保险的重要条件。
At present, the main structure of insurance in our country is difficult to meet the needs of establishing and developing agricultural insurance on a large scale. There are problems such as restricted commercial insurance companies, limited professional insurance companies and blocked policy insurance companies. To speed up the establishment of various forms of agricultural insurance system is a top priority for promoting the development of agricultural insurance and an important part of establishing a new socialist countryside. To establish and perfect the new agricultural insurance system, we must adhere to the institutional diversity, location specificity, intermediary agency flexibility, and reinsurance matching mechanism. Accelerating the formulation of agricultural insurance law, promoting the establishment and improvement of various insurance agents, improving the professional skills of insurance agents and improving the development and promotion of new clothing and clothing products are important conditions for the development of agricultural insurance.