我国农业保险业存在的问题及对策

农业保险在我国起步较晚,当前,由于农业保险的保费较高与赔付率较高,加之缺乏良好的政策环境支持。我国农业保险市场出现了有效需求不足和供给短缺并存的现象。本文通过研究美国农业保险的成功经营经验,结合我国国情,提出了我国农业保险的应对措施以尽快完善我国农业保险市场,发挥对农业的保障作用,从而促进我国经济的发展。

China agriculture insurance existing problem and its countermeasure

The agricultural insurance starts in our country relatively late,at present,because the premium of the agricultural insurance is higher and the loss ratio is relatively high,in addition the scarce and good policy environment is supported.The effective demand has appeared insufficiently and supplying with the phenomenon that shortage coexist on the market of agricultural insurance of our country.This text manages experience through success of studying U.S.A.＇s agricultural insurance,combine the national conditions of our country,have proposed the counter-measure of the agricultural insurance of our country in order to improve the market of agricultural insurance of our country as soon as possible,give play to the role of guarantee to agriculture,thus promote the development of economy of our country.