论农业保险带来的保险结构调整与创新

目前中央政府致力于经济反哺农业,建立农业支持保护体系,出台一系列建立社会主义新农村的政策措施,这为建立具有中国特色的农业保险模式带来了历史性机遇。农业保险具有政策性与制度性特征,从国际经验来看,农业保险大都采取了政策性扶持加市场化运作的模式。中国农业保险也需要建立制度性和政策性模式,但由于中国作为发展中国家的国情,完全财政包办模式是难以为继的。因此,建立以政策为主导、多主体、多元化的农业保险模式是中国农业保险必然的选择。在不违背其商业目标的同时,商业保险在农业保险模式建立过程中应充分发挥其作用和职能,同时也面临市场发展、结构调整和业务创新的三大历史性机遇。

Oninsurance structure adjustment and innovation brought by agriculture insurance v

Chinese government has been recently taking a whole set of policy to support agriculture, establish agrictdture protecting system, and construct socialist new rural area. This bring furth history chance to set up mode of Chinese character agricultural insurance which rely on policy and systematic. Agricnhural insurance adopt the mode of politic support combine market in worldwide, As adeveloping country, China, s agricultural insurance cannot maintain wholly by government, and should choose the multi - part and polybasic mode which policy taking a leading rote. Under the business target, business insurance should exert function, and will be confronted with the historic chances of market development, structure regulating and product innovation.