国外农业保险模式比较及对我国农业保险发展的启示

The Comparison of Foreign Agricultural Insurance Patterns and the Enlightenment on Agricultural Insurance Development in China

农业保险是关乎我国农业可持续发展的重要经济制度,然而目前我国农业保险的发展处于停滞不前、日益萎缩的尴尬局面。该研究在借鉴美、日、法、前苏联以及东亚等国家发展农业保险经验的基础上,提出构建以政府为主导,农民基层互助合作保险为基础,多种经营主体参与的商业化保险运营模式是促进我国农业保险持续发展的有效机制。

The agricultural insurance is one of the important economic systems about the agricultural safety production in China.Based on the experience of developing the agricultural insurance in USA,Japan,French,the former Soviet Union and the East Asia,this paper will construct an agricultural insurance system of commercial insurance operation pattern,which is dominated by the government,based on the farmers ＇mu（t）ual aid and cooperation insurance,and participated by diversified business entities.