农业保险正逐渐受到高度重视,但就目前来看,我国农业保险在运行过程中存在一些问题,使得我国农业保险陷入经营和发展的两难困境。选择适合我国国情的农业保险发展模式、加强对农业保险各层次专门人才的培养、保险公司注重农业保险开展、提高农民投保意识、建立有效的农业巨灾风险的分散机制能有效解决问题。 At present, there are some problems in the operation of agricultural insurance in our country, which makes China’s agricultural insurance fall into the dilemma of operation and development. Select the agricultural insurance development model that suits our national conditions, strengthen the cultivation of specialized personnel at all levels of agricultural insurance, and insure the insurance companies to pay attention to the development of agricultural insurance, raise farmers’ insurance awareness, and establish an effective agricultural catastrophe risk dispersion mechanism can effectively solve the problem.