国外农业巨灾保险管理及借鉴

On Overseas Agriculture Catastrophe Insurance Management

我国是农业巨灾频发且后果较为严重的国家,农业巨灾给人民生命财产造成重大损失,而目前我国还没有建立农业巨灾保险体系,农民面对农业巨灾,缺乏基本生产和生活的保障。我国应借鉴国外巨灾保险发展的先进经验,加快农业巨灾保险的立法工作,建立多层次的风险分散机制,建立农业巨灾保险基金,逐步构建完善和谐社会下的巨灾保险体系。

China is a country where serious agriculture catastrophes visit frequently, which has brought heavy losses to the country and her people. However, China has not established agriculture catastrophe insurance system. As a result, farmers lack basic production and living guarantee. The paper suggests that China should learn from the experience of overseas agriculture catastrophe insurance, establishing an improved catastrophe insurance system gradually.