福建省发展地方优势特色农产品保险的实践和思考

发展现代农业,就必须解决农业生产面临的自然灾害和市场价格波动风险,就需要大力发展农业保险分散风险.当前,一些地方优势特色农产品保险发展还不够充分,不能有效分散地方优势特色农产品自然灾害和市场价格波动风险,成为制约地方优势农产品持续发展的一个因素.在供给侧,农业保险经营主体能力有待提高,保障的总体水平仍然偏低,保险产品种类少,产品设计重物不重人.在需求侧也存在一些地方政府重视不够,投入不足,农民投保意愿不强等短板.为此,建议供需两侧同步发力,共同推动地方优势特色农产品保险高质量发展,更好分散地方优势特色农业生产经营风险.供给侧注重保险产品创新、保险机构服务能力提升,需求侧增加财政投入、调动农民参保缴费积极性.

The Practice and Improvements on Insurance Development of Local Advantageous Agricultural Products in Fujian Province

In order to develop modern agriculture,we must solve the natural disasters and the risks of market price fluctuation faced by agricultural production,and vigorously develop agricultural insurance to disperse risks.At present,the insurance development of some local advantageous agricultural products is not enough,which can not effectively disperse the risk of natural disasters and market price fluctuations of local advantageous agricultural products,and has become a factor restricting the sustainable development of local advantageous agricultural products.On the supply side,the ability of agricultural insurance operators needs to be improved,the overall level of insurance is still low,the types of insurance products are few,and the product design attaches importance to things but not to peoples.On the demand side,there are also some shortcomings,such as lack attention from local governments,insufficient investment and weak willingness of farmers to insure.Therefore,it is suggested that both supply and demand should work together to promote the high-quality development of insurance of local advantageous and characteristic agricultural products,so as to better disperse their production and operation risks.On the supply side,we should pay attention to the innovation of insurance products and the improvement of service ability of insurance institutions,and on the demand side,we should increase financial investment and mobilize the enthusiasm of farmers to participate in insurance payment.