农业保险的新实践和乡村振兴的新需求

New Experiments of Agriculture Insurance and New Demand Under the Rural Revitalization

我国农业保险取得了令人瞩目的成绩。在促进现代农业发展、保障国家粮食安全和稳定农民收入方面发挥了越来越重要的作用,已经成为助推现代农业发展、突破农村金融瓶颈、创新乡村治理的重要手段。农业保险逐渐实现从保物质成本向保完全成本和收入转变,从单一赔付向全流程农业风险管理转变,从保自然风险向保市场风险转变,从保"一农"向保"三农"转变,从独立起作用到与其他金融工具共同作用转变。全面实施乡村振兴战略不仅催生了新的产业形态和新型经营主体,而且激发了更高层次、更多样化的保险需求,需要农业保险更有效地化解风险。

China’s agriculture insurance has made remarkable achievements.It has played an increasingly important role in promoting the development of modern agriculture,ensuring national food safety and stabilizing the farmer’s income.It is also a good method to accelerate the development of modern agriculture,break the bottle neck of rural financial,and innovate the rural management.Agriculture insurance has underwent the transformations from covering the material cost to whole cost and income,from compensation to the agriculture risk management chain,form undertaking the natural risk to market risk,from safeguarding“only agriculture”to“agriculture,farmer,rural communities”,and from alone acting to cooperating with other tools.Now China has fully implemented the rural revitalization strategy,which not only created new industries and doers,but also stimulated the higher and diversified insurance demand.Agriculture insurance is needed to resolve risks more effectively.