中国农业保险发展的困扰因素分析

中国农业保险自1982年恢复试办以来,发展比较缓慢,目前,其经营不论是从法律建设、环境治理还是从保险主体培育、保险模式创建、财政税收扶持等方面,都不能满足农业经济不断发展的需求。本文从中国农业保险现存问题入手,并分别从保险公司、农民、政府角度对问题成因进行了客观分析,认为在市场经济条件下建立起政府主导下的商业保险公司经营模式是中国农业保险未来发展的一个现实选择。

Analysis of Origins Perplexing Development of Agricultural Insurance in China

Agricultural insurance in China develops slowly since it was restored and set up as an experiment at the beginning of 1980s.At present,its management no matter from the legal construction,environmental government,insurance main body cultivation,insurance pattern foundation,financial and tax revenue support and so on,all cannot meet the needs,of which agricultural economy develops unceasingly.This article proceeds with present problems of agricultural insurance in China first,and analyzes the origins of these problems objectively in terms of insurance company,peasant,and government respectively.The commercial management pattern of insurance company set up under the government leadership is deemed to be a realistic choice of future development of agricultural insurance under the market economy condition in China.