小规模农户农业保险的“缺位”与“补位”

The Defect Site and Supplement Position of Agricultural Insurance for Small-scale Framers

小规模农户是我国农户结构的主体,促进小规模农户农业保险发展是农业农村现代化的重要保障。小规模农户农业保险的发展离不开政府的干预,当前我国小规模农户农业保险的发展依然存在各方责任的缺位问题。我国应基于国情建立以政府为主导,"保险公司+农村合作经济组织"为基础,完善的法律法规体系为保障的全方位的农业保险体系。

Small-scale farm households are the main part of household structure in China, and promoting the development of agricultural insurance for this group is an important guarantee of the modern agriculture building. The development of agricultural insurance for small-scale farmers can＇t be separated from the government＇s intervention, and now there still exists the absence of all parties＇ responsibility in its development progress. China should set up a comprehensive agricultural insurance system based on the national conditions in which government takes a leading role, ＂insurance company plus rural cooperative economic organization＂ is the basis, and perfect law and regulation system is the guarantee.