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农业保险是国家强化农业基础地位、保障粮食安全、切实保护农民利益的一项重要强农惠农政策。自2007年我国实施中央财政农业保险补贴政策以来,通过不断实践和探索,我国已经形成了“政府补贴引导、部门协同推进、保险机构市场运作、农民自愿参加”的农业保险发展模式和“中央支持保基本,地方支持保特色”的农业保险制度。然而,近年来农业保险保费补贴效能有所弱化,政策性农业保险存在着不可持续的隐患。而作为世界上农业保
Agricultural insurance is an important policy of strengthening agriculture, strengthening agriculture, ensuring food security and effectively protecting farmers’ interests. Since China implemented the policy of subsidy for agricultural insurance of central government in 2007, China has formed a model of agricultural insurance development with “government-subsidized guidance, synergistic promotion by departments, market operation of insurance institutions and farmers’ voluntary participation” through continuous practice and exploration. “The central government supports basic insurance and local support and protection features” in the agricultural insurance system. However, in recent years, the effectiveness of agricultural insurance premium subsidy has been weakened, and there are unsustainable hidden dangers in policy-oriented agricultural insurance. As the world’s agricultural insurance