对我国农业保险发展的冷思考

目前,农业保险新一轮试点在全国各地开展,虽显现良好发展势头但并不容乐观。农业保险发展缓慢、规模狭小、范围过窄,很难满足保险经营所依赖的大数法则的要求,农业风险分散机制极其脆弱。要积极发展农业保险,服务于社会主义新农村建设。必须通过建立完善的农业保险制度,变农民风险自担为向保险公司转变,变政府对农业灾害损失事后无偿救济为事前防范与灾后经济补偿,变保险业内分散风险为保险业与资本市场的整合,最终达到最大程度地分散风险与补偿损失。

Introspection about the Development of the Agricultural Insurance in China

At present,a new array of experimental units of agricultural insurance carries out in the whole nation.Though it shows a good momentum of development,towards its development,people have not hold optimistic attitude.Since agricultural insurance develops slowly,its scale is limited,and the range is too narrow,it is hard to satisfy the law of large numbers,on which the management of insurance depends.As a result,the mechnism of agricultural risk dispersion is rather fragile.To serve the new rural construction of socialism,we should develop agricultural insurance as follows.By the establishment of perfect agricultural insurance system,we should try to transform risk-taking by peasents into risk-taking by insurance company,to transform the government's gratuitous relief after the agricultural disasters into precaution ahead and economical compensation,to transform risk dispersion within insurance industry into the integration of insurance industry and capital market.Ultimatily,we aim at dispersing risk and compensating for the loss to the largest degree.