我国农作物保险的立法思考与建议

Thoughts and Suggestions on the Legislation of Crop Insurance in China

农作物保险是农业保险的主要内容,对于稳定农业生产、发展国家经济等具有重要作用。作为具有特殊性质的准公共性产品,农作物保险与保险的基本原则并不相符,需要法律对承保、理赔等各项经营活动进行规制。我国法律对农作物保险的规定多为原则性的和笼统的,不能起到有效、直接的规范作用。通过对农作物保险的性质分析,比较研究域外农业保险法对农作物保险的立法进程及规定,为我国未来农作物保险法律制度的构建提出相应的对策与建议。

As the main content of agricultural insurance, crop insurance plays an important role in stabilizing agricultural production and developing the national economy. As a special quasi-public product, crop insurance is not consistent with the basic principles of insurance. And various business activities including underwriting and settlement of claims need laws and regulations. Chinese Crop Insurance regulations are principled and general which cannot play an effective and direct role in the regulation. By analyzing the nature of the crop insurance and studying the extraterritorial crop insurance law, this paper will provide some advices about our crop insurance regulations which will be set up in the future.