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我国农业生产在国民经济发展中一直占据较大比重,但作为基础产业的农业却面临着极大的生产风险,能在生产中起到良好保障作用的农业保险在新中国成立后也应运而生,我国的农业保险通过近几十年的发展取得了长足的进步,《农业保险条例》也于2013年3月1日正式实施,但目前仍存在着诸多制约农业保险的因素,本文从农业保险的现状入手,通过全国和济宁市个别县区的数据分析,找出农业保险中存在的问题,并从农户、保险公司、政府三个参与者的角度剖析原因并提出解决问题的建议。
China’s agricultural production has always occupied a large share in the development of the national economy, but agriculture as a basic industry is facing great production risks. Agricultural insurance, which can play a good role in ensuring the production, came into being after the founding of New China The agricultural insurance in our country has made great progress through the development in recent decades. The “Agricultural Insurance Ordinance” was officially implemented on March 1, 2013. However, there are still many factors restricting the agricultural insurance. This article starts from the agricultural insurance Based on the data analysis of individual counties in Jining and the whole country, the author found out the problems in the agricultural insurance and analyzed the reasons from the perspectives of farmers, insurance companies and the government and put forward the suggestions to solve the problems.