农业是经济发展、民生保障的基础产业,长期面临源于自然、技术、市场和体制等各类风险的威胁。福建是一个台风、干旱、洪涝等自然灾害频发的省份,稳步、规范、扎实、有序的发展政策性农业保险至关重要。本文在立足福建“三农”发展的实际,系统总结了试点的经验,深入研究了制约的因素,着重探讨了完善的思路。 Agriculture is a basic industry for economic development and livelihood protection. It faces the threat of various risks stemming from nature, technology, markets and institutions for a long time. Fujian is a province where natural disasters such as typhoon, drought and floods are frequent. It is of great importance to develop a steady, standardized, solid and orderly development of policy-oriented agricultural insurance. Based on the actual development of “Three Rural Issues” in Fujian Province, this paper systematically summarizes the pilot experience, in-depth study of the constraints, focusing on the sound ideas.