相互制农业保险在我国的困境及适用性

相互制保险在农业保险领域有着明显的优势。然而,相互制保险管理制度上的缺陷及其与农业保险的矛盾制约着相互制农业保险的发展。目前,在我国合作意识不强、农村合作经济组织发育不健全的情况下,开展相互制农业保险还有一定困难。因此,要开展相互制农业保险,必须选择合适的范围和地区,并对相互制保险进行制度创新,为相互制农业保险提供财政补贴,建立再保险机制,加强引导,减少行政干预。

Interrelated agriculture insurance's difficulty in China and its applicability

Mutual insurance system has obvious advantages in the field of agricultural insurance.However,the deficiencies of the mutual insurance system itself and its contradictions with the agricultural insurance restrict the development of mutual agricultural insurance.At present,under the conditions of the poor cooperation awareness and unsound economic cooperative organizations,it has certain difficulties to develop mutual agricultural insurance in our country.In order to carry out mutual agricultural insurance,we must select the appropriate scope and areas,innovate the institution of mutual insurance,provide financial subsidies for the mutual agricultural insurance,establish the reinsurance system,strengthen guidance and reduce intervention by the government.