往往是一次天灾,就能使农民数年辛苦所得损失殆尽。实际上,目前中国的农业保险主要解决的还是自然风险问题。保险是与风险相对应的概念。农民天然处于一种风险较多的状态,作为农业生产的基本单位,除农业风险之外,社会风险和生活风险也置于农户 Often a natural disaster can result in years of hard-earned income for farmers. In fact, the main solution to China’s agricultural insurance is still the natural risk issue. Insurance is a concept that corresponds to risk. As a basic unit of agricultural production, peasants are naturally in a more risky state. In addition to agricultural risks, social risks and life risks are also placed on peasant households