政策性农业保险是现代市场经济国家支持和保护农业发展的重要措施之一,具有很强的外部性。近年来,党中央、国务院连续七年的中央一号文件都对农业保险进行了战略部署。作为政府支农惠农政策的一项重要举措,农业保险尤其是政策性农业保险近两年快速发展并取得了显著的阶段性成果。然而,随着农业保险覆盖面的日趋扩大、参保农户数量的日益增 Policy-oriented agricultural insurance is one of the important measures in modern market economy countries to support and protect agricultural development and has strong externalities. In recent years, the Central Party Committee and the State Council have successively carried out strategic arrangements for agricultural insurance in the document No. 1 issued by the Central Government for seven consecutive years. As an important measure of the government’s policy of supporting agriculture and benefiting the farmers, agricultural insurance, especially policy-oriented agricultural insurance, developed rapidly in the past two years and achieved remarkable initial results. However, with the increasing coverage of agricultural insurance, the number of insured farmers is increasing