乡村振兴背景下农业保险发展面临的机遇、挑战与改革路径——以吉林省为例

The Opportunity,Challenge and Reform Path of Agricultural Insurance Development under the Background of Rural Revitalization——Take Jilin Province as an Example

推进农业供给侧结构性改革,是新时期乡村振兴背景下我国农业农村经济工作的主线。作为农业发展的稳定器和助推器,我国农业保险市场同样存在结构性失衡问题,严重制约农业保险功效的发挥。以吉林省为典型案例进行深入研究发现,农业保险市场普遍存在缺乏中长期发展规划、供求失衡和创新机制不健全等问题。因此,应调整和明确政府职能,真正发挥市场对资源配置的决定性作用,加快推进以需求为导向的农业保险市场结构性改革,搭建以产品和经营模式创新为主的农业保险创新体系,重视农业保险人才的培养,加强农业保险知识的教育宣传,以全面提升我国农业保险市场的保障能力和服务水平,探索适合我国现代农业发展所需的农业保险发展模式和改革路径,助推乡村振兴战略顺利实施。

Promoting agricultural structural reform is the main line of China＇s agricultural and rural economic work under the background of rural revitalization in the new era. As the stabilizer and booster of agricultural development, the agricultural insurance market in China also has the problem of structural imbalance, which seriously restricts the effectiveness of agricultural insurance. This paper takes Jilin province as a typical case for in -depth study and finds that there are a series of problems in the agricultural insurance market, such as lack of medium and long - term development planning, imbalance of supply and demand and unsound innova- tion mechanism. Thus, the functions of the government should be adjusted and clear, and let the market play a decisive role in the allocation of resources. The government should accelerate demand - oriented structural reform of the agricultural insurance market, build products and business model innovation of agricultural insur- ance system, attention to the cultivation of agricultural insurance talent, enhance the promotion of agricultural insurance knowledge education, guarantee the security of China agricultural insurance market capacity and service level, explore Chinese agricultural insurance development pattern for modern agricultural development and the reform path, and boost rural revitalization strategy implemented smoothly.