贵州黔西南农业产业结构调整扶贫险的实践探索

贫困地区政策性农业保险支持产业结构调整，重点是防范产业转换的自然风险和价格风险。贵州黔西南“农调扶贫险”的创新实践，虽然起到了缓解产业组织违约风险、降低基层干部“经济政绩”风险、稳定农户收益、推动贫困地区特色农业产业可持续发展的作用，但是同时还存在农户（企业）参保意愿不强、保费率没有按照参保对象风险大小制定、价格指数险“价格”采集不够科学等问题，需进一步完善。在乡村振兴实践中，建议构建“社保联合”的产业组织模式，向特色农业保险转型，借鉴“保险+期货”思路运作。

Industrial Restructuring of Pro-poor Insurance in Qianxinan Prefecture of Guizhou Province

In poor areas, Policy-oriented agricultural insurance supports industrial restructuring, and the key is to guard against natural and price risks of industrial conversion. The innovative practice of “Agricultural Industrial Restructuring of Pro-poor Insurance” in southwest of Guizhou Province, Risk mitigation of default of industrial organizations, reduces the risk of “Economic performance” of grass-roots cadres, stabilizes the income of farmers, and promotes the sustainable development of characteristic agricultural industries in poor areas; However, the farmers (enterprises) are not willing to participate in the insurance, the Premium rate is not set according to the risk of the insured object, the Price Index Insurance data is not scientific enough to wait for further improvement. In the practice of Rural Revitalization, it is suggested to structure “insurance company+Farmers’ professional cooperatives” federal organization draw lessons from the thought of “insurance + futures”.