加快发展我国农业保险的对策思考

Thinking on Accelerating the Development of China's Agricultural Insurance

农业是我国国民经济基础产业,同时又是弱质产业,具有自然和市场风险高,产业竞争力弱的特点。构建与完善农业保险制度,是我国农业健康发展的主要保证,也是WTO框架下政府国内支持的主要举措。根据我国现阶段农业发展的现实状况,应建立健全以政府政策性保险为主导、农民合作保险为基础、商业性保险为补充的兼具政策性、互助性、经营性特点的农业保险制度体系,规避农业风险和提高农业竞争力。

Agriculture is China's basic industries and weak industry,has the characteristics of high natural and market risks and weak competitiveness.Construction and improvement of the agricultural insurance system is the main guarantee the healthy development of China's agriculture and Government in support of the major domestic initiatives under the WTO framework.According to China's agricultural development at this stage the reality of the situation,the government should establish policy-oriented insurance based on farmers insurance co-operation,improve the agricultural insurance system with characteristics of complementary and mutual assistance,the operating to avoid the risk of agriculture and increase agricultural competitiveness.