我国农业保险发展新方向初探

Exploration of New Development of Agricultural Assurance of China

随着经济的发展、社会的进步,保险已经成为人们有效规避风险的必要方式。随着外资保险公司的大兵压境,人们的保险意识普遍提升,保险公司也借此契机大力开展各类保险业务,中国保险也呈现欣欣向荣之势。然而这种繁荣却无法掩盖长期以来中国农业保险发展滞后的现实,与其他险种相比,农业保险的不平衡性就凸现出来,农业保险的萎缩与中国农业大国的现状极不协调。农业保险应建立与市场机制有效结合的保险新模式,包括保险经营技术创新和保险制度创新,以适应我国发展新形势下农业保险进一步发展的需要。

With the economic and social development, assurance has become a necessary way to evade risk. With the entry of foreign- funded assurance companies, when the sense of people＇s insurance become strong, China＇ s insurance companies conduct various insurance business prosperously. However, the prosperity of the insurance is unable to conceal the delayed development of China＇ s agricultural insurance. Comparing with other insurance category, the tmevermess of the agricultural insurance is protruding. The shrink of the agricuhural insurance shows no harmony with the big agricultural country of China. China＇s agricultural insurance should establish an effective new insurance model, including the innovation of insurance management technology and insurance system so as to adapt to the further development of the agricultural insurance in the new situation.