论我国农业保险的经营模式

农业保险经营模式的合理选择是加快农业保险发展进程的关键。我国农业保险发展滞后的原因与农业保险经营模式密切相关。目前应根据我国农业和农业保险政策性特点的要求。改变传统商业性农业保险经营形式，建立多层次体系、多渠道支持的农业保险经营模式，加大政府、法律法规和再保险的支持力度，建立由政府主导的商业性保险公司办理政策性农业保险模式。或建立全国性农业保险公司。对农业保险实行专业化管理。

Adoption of an appropriate operational model is key to fast development of agricultural insurance. The reason that China＇s agricultural insurance lags behind other lines of insurance has much to do with its operational model. Currently, we should change the tradition of operating agricultural insurance as a commercial insurance and replace it with a multi-layered, multi-channel operational model according to the characteristics of China＇s agricultural insurance and its nature of policy insurance. Meanwhile, government, legislation and reinsurance support to agricultural insurance should be greatly enhanced. We can either establish an agricultural operational model of commercial insurer underwriting policy agricultural insurance under government＇s direction, or establishing a national agricultural insurance company which is specialized in managing agricultural insurance.