农业风险与农作物收入保险

On Agricultural Risks and Crop Income Insurance

农业是国民经济的基础,但同时也是一个高风险的产业。自然再生产和经济再生产相互交织的特点决定了农业生产经营过程中的高风险性是其他任何行业所无法比拟的,而农业保险对于抵御自然风险和市场风险,保障农业生产经营的平稳进行有着至关重要且不可或缺的作用。但是,不可否认的是现行的以物化成本为保障的政策性农业保险愈发地难以满足新形势下我国农业生产经营者对农业保险的需要。在国外,成功开展的农作物收入保险有助于解决我国农业生产经营者对于收入风险管理的需要。

Agriculture is the basic of national economy, in the meantime, an industry with high risk. The features make the agricultural producing and operating process the highest risky sector than any others that natural reproduction is always interwined with economic reproduction. Therefore, agricultural insurance plays an indispensible role in protecting the industry from natural risks and market risks. While we cannot deny that current policy-oriented agricultural insurance safeguarded by materialized cost can barely meet the demand of the operators under this new situation, many other countries carried out the crop income insurance policy successfully solving this problem.