政策性农业保险是解决“三农”问题的重要举措之一。鉴于其风险性高、非盈利性、政府主导性强等特点,政策性农业保险必须坚持因地制宜的原则,选择适合中国国情和各地实际的模式,并妥善解决监管法规和主体、“三个积极性”、发展道路和巨灾风险防范等问题: Policy-based agricultural insurance is one of the important measures to solve the “three rural issues.” In view of its characteristics of high risk, non-profit and strong government dominance, policy-based agricultural insurance must adhere to the principle of local conditions, select a model that suits China’s actual conditions and local conditions and properly handle regulatory laws and regulations, and “three initiatives ”, Development path and catastrophe risk prevention and other issues: