我国农业保险的发展及国际经验借鉴

The Development of Agricultural Insurance in China and The Experience of Foreign Countries

目前,我国农业保险的发展取得了一定的成绩,保费收入呈上升趋势,但同时农业保险的发展也存在保险利润低,商业保险公司不愿过多进入农业领域,交易成本高,政策性农业保险并未起到很好的作用,政府财政补贴不合理等问题,应借鉴美国、加拿大和日本在政策、模式和立法上的经验,推动形成我国农业保险先进的技术系统和发展模式。

The development of agricultural insurance has achieved good results, and premium income has also shown an upward trend. This paper mainly studies the development and existing problems of agricultural insurance in China, and draws on the experiences of the United States, Canada and Japan in policies, models and legislation, and puts forward reasonable policy recommendations for China’s agricultural development.