农业保险立法问题研究

Agricultural insurance legislation research

农业保险作为现代农业可持续发展的三大支柱之一(农业科技、金融、保险),为世界各国所重视,成为农村经济的"稳定器"和"助推器"。农业保险由于在保险标的、可保风险、保险利益、理赔等方面有其特殊性,决定了应建立专门的农业保险法律制度。我国在农业保险的制度构建中应特别谨慎,首先应对农业保险进行准确定性;其次应充分考虑我国的国情合理确定立法宗旨;再者应总结以往办理农业保险的经验与教训,对政府在农业保险中的功能作用准确定位;最后政府还有必要在现有的保险监管机构下面设置专门农业保险监管机构对农业保险进行监管。

As one of the three pillars of the sustainable development of the modern agriculture, （Agricultural Science ＆Technology, Finance,Insurance）,agricultural insurance is highly valued by the worldwide countries,and is becoming the ＂stabilizer＂ and ＂booster＂ of the rural economy.Because of the particularity in the insurance mark,insurable risk, insurance interest,claims and so on,the special agricultural insurance law system should be established.China should be cautious about the establishment of the agricultural insurance system,firstly to determine the nature of the agricultural insurance;Secondly,the basic conditon of our country should be given full consideration so as to determine the purpose of legislation reasonably; Moreover,the experiences and lessons for agricultur- al insurance should be summarized,and the function of the government in the agricultural insurance should be accurately definited; In the end,it is necessary for the government to set up the special agricultural insurance regulatory, agency under the existing insurance for the nurnose of the azricuhural insurance sunervision.