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发展农业保险的实质是使农民获取保险利益,主要包括补偿利益和预期利益。其利益不足额,但具有正的外部性。由于农业保险发展不足,影响和谐社会的构建。要大力发展农业保险,发挥其在构建和谐社会中的重要作用,政府要“补足”农民利益,激励农民的保险需求。保险人要增加有效供给,切实保障农民获取保险利益。从农民的视角考虑,农民应加强保险意识,发展农村专业合作社,建立保险合作社,降低保险成本,获得更多保险利益。
The essence of developing agricultural insurance is to enable peasants to obtain insurance benefits, mainly including compensation benefits and expected benefits. Its benefits are not enough but have a positive externalities. As the lack of development of agricultural insurance, affecting the construction of a harmonious society. We must vigorously develop agricultural insurance and give play to its important role in building a harmonious society. The government should “make up” the interests of peasants and encourage farmers’ insurance needs. Insurers to increase the effective supply, and effectively protect the farmers to obtain insurance benefits. From the perspective of peasants, peasants should strengthen their insurance awareness, develop rural specialized cooperatives, establish insurance cooperatives, reduce insurance costs and obtain more insurance benefits.