基本原则一、农业保险应是政策性保险农业具有较高的风险性,因而一般商业保险公司避而远之。同时,农业作为国民经济的基础产业,自身的收益较低,而社会效益较大,如果让农业生产部门自身承担农业损失,显然不利于农业发展。农业的高风险、低收益特征,意味着农业保险具有很强的政策性,只能由政府来扶持并推动其发展。 Basic principles First, agricultural insurance should be a policy of insurance Agriculture has a higher risk, so the general commercial insurance companies to avoid. At the same time, as a basic industry of the national economy, agriculture has its own low income and great social benefits. If it allows the agricultural production sector itself to bear the agricultural losses, it is obviously not conducive to agricultural development. The high-risk and low-income characteristics of agriculture mean that agricultural insurance has strong policy and can only be supported by the government and promoted its development.