经过 2 0多年的改革与开放 ,我国农村正在由传统农业逐步向现代农业转变 ,阻碍农村经济和农业发展的风险因素及其频数发生了变化 ,迫切需要完善风险保障制度。但目前 ,在体制转轨的过程中 ,政府在保险供给方面的作用已大大削弱 ,保险公司甚至还大幅度、全面收缩在农村的机构、 After more than 20 years of reform and opening up, China’s rural areas are gradually shifting from traditional agriculture to modern agriculture. The risk factors and their frequency hindering the development of rural economy and agriculture have changed. There is an urgent need to improve the risk guarantee system. However, at present, the role of the government in insurance supply has been greatly weakened in the process of institutional transition. Insurance companies have even dramatically and completely shrunk their positions in rural areas,