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发展县域保险,既是服务于“三农”的需要,又是服务于建设和谐社会的需要。现在,我国广大农村的保险覆盖率还相当低,而且,上规模的、行之有效的农业保险在近期内也不可能在农村广泛铺开,因此,我国农村保险相对落后于保险业整体发展水平,这与国民经济建设及社会发展极不协调。笔者通过广泛调查走访,认为要在当前情形下实现县域保险业的有效突破,必须确立如下基本思路。
The development of county insurance not only serves the needs of agriculture, rural areas and farmers but also serves the needs of building a harmonious society. At present, the coverage of insurance in vast rural areas in our country is still relatively low. Moreover, it is impossible for the large-scale and effective agricultural insurance to be widely spread in rural areas in the near future. Therefore, rural insurance in our country lags behind the overall development level of the insurance industry This is extremely uncoordinated with the national economic construction and social development. Through extensive investigations and visits, the author believes that to achieve an effective breakthrough in the county insurance industry in the current situation, we must establish the following basic ideas.