乡村振兴背景下主粮保险机制的路径探讨

An Analysis of the Effective Linkage between the Strategy and Policy of Poverty Relief and Rural Revitalization

水稻、小麦、玉米是我国的三大主要粮食作物,保障国家粮食安全是国家安全的基石,是实现经济发展、社会稳定的重要基础。本文主要介绍了我国主粮保险的发展现状,面临着地方财政压力较大、保额和费率厘定粗放、承保覆盖率存在差异、农户投保不积极、保险企业承保风险高等主要问题,对此提出缓解财政压力、灵活设置保额和费率、缩小承保覆盖率差异、提高农户参保积极性、降低保险企业承保风险等解决对策,进一步完善农业风险管理机制,保障国家粮食安全,扎实推进乡村全面振兴和可持续发展。

Rice,wheat,and corn are the three major food crops in China.Ensuring national food security is the cornerstone of national security and an important foundation for achieving economic development and social stability.This article mainly introduces the current development status of main grain insurance in China,facing major problems such as high local financial pressure,extensive determination of insurance amounts and rates,differences in insurance coverage rates,inactive insurance coverage by farmers,and high insurance risks by insurance companies.In response,solutions are proposed to alleviate financial pressure,flexibly set insurance amounts and rates,narrow differences in insurance coverage rates,increase farmers'participation in insurance,and reduce insurance risks by insurance companies.Furthermore,the agricultural risk management mechanism is further improved to ensure national food security and solidly promote comprehensive rural revitalization and sustainable development.