乡村振兴背景下黑龙江省农业保险的发展路径

Development Path of Agricultural Insurance in Heilongjiang Province Under the Background of Rural Revitalization Strategy

乡村振兴是我国农业发展工作的重中之重。在乡村振兴战略背景下,黑龙江省农业保险供给侧相对充足,承保规模逐年增长,但农业保险的保障水平不稳定,农业保险综合成本率一直居高不下。黑龙江省农业保险存在农户收入较低、投保意识不强,保障水平无法满足实际需求,农村金融扶持手段匮乏,农业保险理赔工作不规范等问题。为促进黑龙江省农业保险的健康发展,应加大农业保险的宣传力度、拓展成本保险业务、优化农村的金融环境,加强法律法规建设,不断探索适合黑龙江省农业保险发展的路径,以保证黑龙江省农业生产安全,提高农产品产量以及全面推进黑龙江省乡村振兴。

Rural revitalization is the top priority of agricultural development in China.Under the background of rural revitalization,the supply side of agricultural insurance in Heilongjiang Province is relatively sufficient,and the underwriting scale increases year by year,but the guarantee level of agricultural insurance is not stable,and the comprehensive cost rate of agricultural insurance is always high.There are some problems in agricultural insurance in Heilongjiang Province:low income of farmers,weak insurance consciousness,insufficient security level to meet the actual needs,lack of financial support means in rural areas,and non-standard settlement of agricultural insurance claims,etc.In order to promote the healthy development of agricultural insurance in Heilongjiang Province,it is suggested to increase the publicity of agricultural insurance,widen cost insurance business,optimize financial environment in rural areas,perfect laws and regulations,and continuously explore the development path of agricultural insurance which is suitable for Heilongjiang Province,to ensure the security of agricultural production,improve the agricultural outputs,and promote rural revitalization in Heilongjiang Province.