我国农业保险发展滞后的原因探析

改革开放以来,我国保险业整体发展迅速,但农业保险发展非常滞后,农业风险保障严重缺乏.对于我国农业保险发展滞后的原因学术界多归于政府支持不力.本文认为,我国农业保险发展滞后既有外在因素,即缺乏必要的法律、经济、行政等政策支持;更有内在因素,即农业保险经营技术落后.因此,农业保险要顺利发展,一是保险公司要励精图治,改进技术;二是政府要大力支持,增加投入.

A Probe into the Causes of the Sluggish Development of Agricultural Insurance in Our Country

Since the implementation of openness and reform policy,the insurance industry as a whole has developed very fast whereas the development of agricultural insurance is sluggish and agricultural risk guarantee is seriously scarce.The academic circles often owe the sluggish development of agricultural insurance to the lack of governmental support.However,the author attributes it to both the external factors(the lack of necessary legislative,economic,and administrative supports) and the internal factor(the backward operating technique in agricultural insurance).In order to enhance the agricultural insurance development,on one hand,the insurance companies should make all efforts to improve techniques and on the other hand the government should give more support and increase investment.