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农业保险作为一项惠民政策,被称为是广大农民财产的“保护伞”。近几年来,我国农业风险损失逐年增大,而作为其重要风险保障机制的农业保险的发展却举步维艰,农业保费筹集困难一直是其发展的瓶颈。应建立以政府财政补贴和农民自主投保为主,以设立农业保险专项基金、发行农业保险专项福利彩票等方式为辅的农业保险保费筹集模式。
As a Huimin policy, agricultural insurance is called the “umbrella” of the vast peasant property. In recent years, the loss of agricultural risk in our country has been increasing year by year. However, the development of agricultural insurance as its important risk protection mechanism has been struggling. The difficulty in raising agricultural premiums has always been the bottleneck of its development. The mode of agricultural insurance premium collection should be set up supplemented by government financial subsidies and peasants’ autonomous insurance, special fund for the establishment of agricultural insurance and special welfare lottery issued by agricultural insurance.