一、农业保险的特点理想的可保风险是大量分散且不相关的风险,但是在农业领域,诸如洪水等风险高度相关,发生大面积灾害的概率较高。美国从20世纪30年代起建立政策性农业保险制度以来亏损一直很严重,1948—1978年的平均赔付率为98%,1981—1987年更是达到了155%。在我国,农业生 First, the characteristics of agricultural insurance The ideal insurable risk is a large number of scattered and not related to the risk, but in the field of agriculture, such as floods and other high-risk, the probability of large-scale disasters higher. The U.S. loss has been very serious since the establishment of the policy agricultural insurance system in the 1930s. The average loss ratio was 98% in 1948-1978 and 155% in 1981-1987. In our country, agricultural students