农业新业态下我国农业保险创新发展模式的探究--助力决胜攻坚脱贫

The Exploration of China's Agricultural Insurance Innovation Development Model under the New Form of Agri⁃culture——Help with the Fight Against Poverty

农业新业态作为打赢脱贫攻坚战的突破口,对全面建成小康社会有着重要战略意义。相较于传统小农经营模式,农业新业态背景下的农业发展模式具备规模化和集约化等特征,对保险保障水平提高、保险公司理赔服务增强、场景化保险产品创新等方面需求迫切。本文通过分析农业新业态下几种农业生产模式,发现我国农业保险在服务新业态下农业经营主体方面存在诸多不足,并据此从产品设计、保险服务、政策补贴等方面提出了推进农业保险创新发展的具体路径。

As a breakthrough in the fight against poverty,the new agricultural format has important stra⁃tegic significance for the comprehensive construction of a well-off society.This paper analyzes several agricul⁃tural production models under the new agricultural format,and finds that China's agricultural insurance has many deficiencies in the agricultural business under the new format,and proposes an innovative development path for the new format of agricultural insurance services.Compared with the small-scale farmer business mod⁃el,the large-scale and intensive nature of the agricultural development model under the new agricultural busi⁃ness format has led to higher requirements for insurance protection levels and insurance services,and the need for innovative agricultural insurance with more contextualization is more urgent.This article proposes spe⁃cific ways to promote the innovative development of agricultural insurance from product design,insurance ser⁃vices,and policy subsidies.