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农业生产是人们利用植物、动物和微生物的生长机能,通过人工控制和培育以取得产品的产业,易受到各种非人为因素(如旱、涝、风、冰雹、寒潮、病虫害等)的影响。因此,建立农业保险制度,分散农业风险,既是农业发展和促进农民收入稳定增长的要求,也是建设现代农业、推进社会主义新农村建设的需要。
Agricultural production is an industry where people make use of the growth functions of plants, animals and microorganisms to obtain products through artificial control and cultivation, and are susceptible to various non-human factors such as drought, flood, wind, hail, cold wave, pests and diseases. Therefore, setting up an agricultural insurance system and diversifying agricultural risks are not only the requirements of agricultural development and the steady growth of peasants’ incomes, but also the need of building modern agriculture and promoting the building of a new socialist countryside.