关于我国农业保险保费筹集模式的思考

农业保险作为一项惠民政策,被称为是广大农民财产的"保护伞"。近几年来,我国农业风险损失逐年增大,而作为其重要风险保障机制的农业保险的发展却举步维艰,农业保费筹集困难一直是其发展的瓶颈。应建立以政府财政补贴和农民自主投保为主,以设立农业保险专项基金、发行农业保险专项福利彩票等方式为辅的农业保险保费筹集模式。

Thinking of China agriculture insurance fee collecting mode

The agricultural insurance as a Waste Management policy, known as the broad masses of peasant property ＂umbrella.＂ In recent years, China s agriculture increases the risk of loss year after year, and as an important risk protection mechanism for the development of agricultural insurance is limping, agriculture has always been difficult to raise premiums in its development bottleneck. Should be established to government financial subsidies and peasant self -insured mainly to set up a special fund agricultural insurance,agricultural insurance special issue of the welfare lottery,such as a supplement to raise the agricultural insurance premium model.