新形势下编织农业安全网体系的探讨

STUDY ON WEAVING AN AGRICULTURAL SAFETY NETWORK SYSTEM UNDER THE CURRENT SITUATIONS

改革开放以来,我国保险业整体发展迅速,但农业保险发展严重滞后,农业风险保障严重缺乏,农业发展的后劲不足。对于我国农业保险发展滞后的原因,学术界多归于政府行为的缺失。本文认为,我国农业保险发展滞后既有外在因素,如缺乏必要的法律、财税、行政等政策的长期有效支持;更有内在因素,农业保险特殊的技术障碍,保险供求结构失衡,农民购买力较低等原因。认真总结农业保险经营中存在的问题,从而进一步完善农业保险市场,编织农业安全网。

Since China＇s reform and the opening to the outside world, the insurance industry in China has been developing swiftly as a whole, but the development of agricultural insurance lags far behind the others, with a severe shortage of agricultural risk insurance and thus hinders the development of the agricultural industry. Experts owe this much to the lack of government behaviors. This paper proposed that there are external factors like the shortage of effective and long--term policy support of necessary laws, financial and executive measures, and internal factors as well, like the particular technical obstacles that agricultural insurance has, imbalance on the supply and demand structure and the relative low purchasing power of farmers and more. Existing problems in the management of agricultural insurance should be carefully reviewed so as to further perfect agricultural insurance market to weave an agricultural safety network.