在目前中国农业保险市场政策和制度缺失的环境下,农民的生产经营风险难以得到根本的保证。 “1998年的特大洪水和2000年以来持续的干旱几乎摧毁了原本脆弱的农业互助保险体系。”孙振军无奈地说。据了解,1993年至2003年10年间,黑龙江省农垦总局开展农业互助保险累计经营超支2.8亿元。作为黑龙江省农垦总局农业互助保险局局长的孙振军很担忧:在农业巨灾面前,没有国家财政资金给予补偿,农垦总局经过10年时间建立的农业互助保险体系难以维继。商业性农业保险公司经营农业保险 Under the current circumstances of the lack of policies and systems in China’s agricultural insurance market, the peasants’ production and operation risks are hard to be fundamentally guaranteed. “The extraordinary flood in 1998 and the continuous drought since 2000 almost destroyed the originally fragile agricultural mutual insurance system. ” Sun Zhenjun reluctantly said. It is understood that from 1993 to 2003 10 years, Heilongjiang Provincial Land Reclamation Bureau to carry out agricultural mutual insurance accumulated operating over 280 million yuan. Sun Zhenjun, director of the Agricultural Mutual Insurance Bureau of the State Bureau of Reclamation in Heilongjiang Province, is very worried: in the face of agricultural catastrophe, there is no state financial fund to provide compensation. After 10 years, the State Farm Reclamation Administration has been unable to sustain the agricultural mutual insurance system. Commercial agricultural insurance companies operate agricultural insurance