河南农业保险中存在的问题及对策研究——以中韩对比为切入点

A Study of the Problems and Solutions in the Field of Agricultural Insurance in Henan: A Contrast between China and Korea

农业保险是以保障"三农"持续发展,规避农业风险为目的的保险。河南作为全国农业大省之一,每年因为自然灾害造成的农业损失非常严重,政府相关部门出台了一系列保险政策来促使农户投保,以期达到规避农业风险的目的,但是农业保险的普及率还是较低,成效不大。通过市场调研,了解目前河南省农业保险存在的问题,并提出了相应的解决建议。

The purpose of agricultural insurance is to ensure the sustainable development of “three rural fields” and to avoid agricultural risks. As one of the major agricultural provinces in China, the agricultural losses caused by natural disasters are very serious every year in Henan. Government departments have introduced a series of insurance policies to promote farmers to insure in order to avoid the agricultural risks. However, the rate of insuring agricultural insurance is still low and the effects are not so good. With the methodology of marketing research, this study aims at finding out the existing problems and putting forward the solutions to those problems of agricultural insurance in Henan.