在保险业迅速发展、保险种类与日俱增的今天,作为为基础产业提供保障的农业保险不仅没有发展,却基本停滞。究其原因是由于农业保险的两大“先天缺陷”--“准公共物品”性质和面临较高的巨灾风险,导致了其商业化供给 With the rapid development of the insurance industry and the ever-increasing variety of insurance, agricultural insurance as a guarantee for basic industries has not only failed to develop but has basically stalled. The reason is that due to the nature of the two major “natural defects” and “quasi-public goods” of agricultural insurance and the risk of catastrophe facing higher catastrophe, their commercial supply