我国农业保险发展路径的现实选择

A Realistic Choice of the Development Path of Agricultural Insurance in China

我国农业保险尚处于探索阶段，存在投保人有效需要不旺与保险人有效供给不足等问题，制约了我国农业保险的开拓前行。基于政府参与的财政支持型商业保险模式是适合我国国情的基本模式。为推进新时期我国农业保险事业的发展，需要在基准模式、配套措施、立法环节和营运层面形成科学、合理、有效的制度安排。

The agricultural insurance in China is still at the stage of exploration. The issues of lukewarm effective demands and insufficient effective supply are restricting further development of it. The current commercial insurance model with fiscal subsidy is suitable to the situations in China. In order to further promote the development of agricultural insurance,we should install scientific, rational and effective policies regarding the basic model, supportive measures, legislation and operation.