黑龙江省政策性农业保险的现状分析与对策研究

Analysis of the Status of Policy-oriented Agricultural Insurance in Heilongjiang Province and Countermeasures

自从被国家纳入农业保险试点范围后,黑龙江省积极探索农业保险发展的有效途径,逐步建立起覆盖全省的农业风险防范体系,为现代农业和新农村建设提供有力保障。但囿于其农业保险仍处于摸索阶段,法律制度保障缺失、政府引导职能发挥不到位、市场运作行为不规范、农业保险人才相对匮乏等问题相对突显,急需制定农业保险法律制度、强化政府引导职责、提高农业保险经营组织的经营能力、加强农业保险专业人才的培养、提高农民的农业保险意识,从而推进农业保险持续稳定健康的发展。

With Heilongjiang being included in the pilot province of agricultural insurance by the nation,effective ways are being actively explored by Heilongjiang Province to develop the agricultural insurance,which gradually establish a province-wide agricultural risk prevention system and to provide strong protection for modern agriculture and new rural construction.While there are some issues relatively obvious such as being still at the exploratory stage,lack of legislative protection,the ill-functioning of government in guidance,market behavior being not standardized as well as relative scarcity of talents in agricultural insurance.These urgently need us to make agricultural insurance legal system,strengthen the role of government in guidance,promote the operating ability of agricultural insurance organizations,cultivate some professional talents and raise awareness of agricultural insurance of farmers.Only by these can we make agricultural insurance steadily and healthily develop.