纵观国外保险市场,其历史悠久,在经过近几百年的发展后,市场相对成熟,法律体系也比较完善,而我国保险业还处于初级发展阶段,因而与外国先进的立法体系和立法发展趋势之间存在相当的差距,尤其体现在保险业的立法上。面对发达市场经济国家的高补贴、高支持和高保护,中国农业和农民急需改变低补贴、低支持和低保护的现状,建立符合中国实际情况的农业保险体系,而在这一过程中,如何发展和完善我国的农业保险立法原则就显得尤为重要和迫切。 Looking at the foreign insurance market has a long history. After several centuries of development, the market is relatively mature and the legal system is relatively perfect. However, the insurance industry in our country is still in the initial stage of development. Therefore, with the advanced legislative system and legislative development in foreign countries, There is a considerable gap between the trends, especially in the insurance industry legislation. Faced with the high subsidies, high support and high protection in advanced market economy countries, China’s agriculture and peasants urgently need to change the status quo of low subsidies, low support and low protection and establish an agricultural insurance system that is in line with China’s actual conditions. In the process, How to develop and improve our country’s agricultural insurance legislation principles is particularly important and urgent.