健全我国涉农保险法律制度思考

目前我国涉农保险发展刚刚起步并初见成效,但存在地方政府不够重视、地域差异大、承保率极低、发展环境亟待优化、基层行政执法不规范、性质定位不清、监管不到位等问题。我国涉农保险法律制度发展严重滞后,一直处于空白状态,目前只有关于农业保险的政策和规定,没有专门涉农保险法律制度。针对我国的涉农保险发展的实际情况,政府应主导支持,坚持立法先行,明确立法目的,因地制宜,强化监管,健全和完善我国涉农保险法律制度。

Improvement of the law system for agriculture-related insurance in China

At present,China′ s agriculture-related insurance has started with the first step and there are inevitably some defects,such as local governmental neglect,significant regional differences,extremely low acceptance rate,unsatisfied circumstance,unstandardized administrative enforcement,unclear identification and slack regulation.What′ s more,there is no specific agriculture-related insurance law,but some policies and regulations,which reveals that the law system for agriculture-related insurance in China has lagged far behind.Therefore,it is held that under the guidance and support by the government,legislation should be in advance with clear goal and supervision should be strengthened based on local conditions,so as to perfect the law system for agriculture-related insurance in China.