农作物保险经营研究

A research on crop insurance

农作物生产的特点决定了农作物保险具有区别于其他保险的属性。必须从不同角度揭示农作物保险的时空规律和地域分异规律,做好农作物保险的季节性安排,遵循农作物保险的自然规律与经济规律,科学进行费率厘定和保险区域划分,合理配置农作物保险资源。必须树立长期与动态的经营理念,克服农作物保险经营中的盲目性和短期行为,建立农作物保险理赔制度。遵循自然规律与经济规律,为农作物保险经营奠定牢固的基础。

The characteristics of crop insurance determine that crop insurance is different with other types of insurance. Insurance companies should study the temporal and spatial rule and geographical distribution for crop insurance, make a proper arrangement for seasonal arrangement of crop insurance and follow the rule of nature and the rule of economy ,scientifically decide on the premium rate, divide up the insurance regions, and rationally allocate various crop insurance resources. They should also establish the long-term and dynamic operational concepts, avoid blindness and myopic activities ,and establish a claim settlement system ,thus consolidate the foundation for operating crop insurance.