山西省建立农业保险合作社制度构建研究

System Construction Research on Agricultural Insurance Cooperatives in Shanxi Province

农业保险合作社是一种能够把农民生存和发展、农业风险的预防和农村社会发展辩证统一起来的组织形式。它体现的是自上而下的政府管理与自下而上的农村自治管理的有机结合,符合当代中国农村社会发展的历史规律和现实规律。山西省建立农业保险合作社对于抵御农业自然风险和市场风险、实现农村社会良性自治、改善农村贫困状况都具有重要的价值,但是也存在着地域、人文、技术等制约因素。基于此,应该从完善山西省农业保险合作社立法、以乡(镇)为基础单位进行试点、建立健全农业保险再保险制度、加大基层政府的主导作用以及建立农业保险合作社联合会等几个方面着手完善和建立山西省农业保险合作社制度。

Agricultural insurance cooperative is a kind of organization form,which can unify the survival and development of farmers,agricultural risk prevention and the rural social development dialectically.It reflects the organic combination between top-down government management and bottom-up rural autonomous management,and conforms to the developing history law of contemporary Chinese rural society and reality need.In Shanxi province,system on agricultural insurance cooperatives can play an important role in protecting against agricultural natural risk and market risk,realizing benign social autonomy and improving rural poverty situation.However,in the process of constructing this system,it also faces with many restricted factors,such as regional,cultural,technology factors,and so on.Based on these,the system on agricultural insurance cooperatives for Shanxi province can be constructed by improving agricultural insurance cooperative legislation;piloting on the basis of the township（town）unit;establishing and perfecting the system of agricultural reinsurance;strengthening grass-roots government＇s leading role and establishing cooperative federation of agricultural insurance.