我国农业保险发展的现实困境及路径创新

农业保险作为市场经济条件下现代农业发展的四大支柱(农业科技、农村金融、农村供销和农业保险)之一,它本身所具有的分散风险、补偿损失功能可为农业和农村金融保驾护航,农业保险在稳定农业生产和促进农民增收,推动农村经济的发展方面都有着重要的意义.但是现阶段我国的农业保险还不成熟,面临着经营风险、现实需求、技术支持和法律政策等诸多现实困境.因此,必须探索一套适合我国国情的农业保险发展模式.

On Dilemma of Our Country's Agriculture Insurance and Pattern Innovation

As one of the four props(agricultural science and technology,rural finance,countryside supply and sales and agricultural insurance) of agricultural development in modern economic condition,the function of dispersible risk and loss conpensation of agriculture insurance escorts for the agriculture and the rural finance;it plays a vital role in stablizing agricultural production,promoting the farmers' income as well as the rural economy.But at the present stage,our country agriculture insurance is not mature.Based on the analysis of dilemma of agriculture insurance,this article proposed a set of development patterns in accordance with our national condition.