宿迁市开展政策性农业保险试点情况的调查报告

A research report on the pilot agricultural insurance program in Suqian City

宿迁市农险试点工作中取得了阶段性成效,但仍面临亟待解决的问题。制约政策性农业保险的关键因素:农业保险的法律缺失与道德风险并存,农业保险的低保障与农业产业的高风险并存,农业保险的政策性与商业运营的趋利性并存,农业保险的高成本与农户家庭的低收入并存,农业保险的政策热与执行冷并存。推进政策性农业保险需要出台农业保险法律法规,健全农业保险体系,创新农业保险工作机制,建立农险查灾定损科学体系,加大农业保险扶持力度。

The pilot agricultural insurance program in Suqian City has made initial progress, but it is still facing with some imminent issues. The factors restricting the development of agricultural insurance are： the legislation vacancy for agricultural insurance and the existence of moral hazards, low level of coverage of agricultural insurance and the high risks of the agriculture industry, the policy business nature of agricultural insurance and the profit-seeking propensity of commercial insurers, the high cost of agricultural insurance and the low income of rural households, the strong government promotion of agricultural insurance and lukewarm response of insurers. To enhance development of agricultural insurance, China should complete relevant legislation, improve on the agricultural insurance system, innovate on the agricultural insurance mechanism, establish a scientific loss adjustment system, and further strengthen policy support.