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社会主义新农村建设是“十一五”期间的重大历史任务,而新农村建设亟待破解金融问题。其中,开创发展我国农业保险的新路子,是理论上和应用上非常迫切的问题。我国农业保险的发展经历了一条艰难探索之路,取得了一些成果。但是,农业保险在业务自身方面、经营主体方面、农业生产者方面及外部环境方面还存在一些问题。针对这些问题,顺应新农村建设要求,应从促进农民增收、稳步发展多形式农业保险、加强政府支持力度、创新体制及建立并完善农业保险法律法规等几个方面对农业保险体系进行改进。
The construction of a new socialist countryside is a major historical task during the “Eleventh Five-year Plan” period, and the construction of a new socialist countryside urgently needs to solve the financial problems. Among them, creating a new way of developing China’s agricultural insurance is a very urgent issue both in theory and in application. The development of China’s agricultural insurance has undergone a difficult exploration and achieved some results. However, there are still some problems in agricultural insurance in terms of business itself, business operators, agricultural producers and the external environment. In response to these problems, the agricultural insurance system should be improved from the aspects of promoting farmers’ income, steadily developing multi-form agricultural insurance, strengthening government support, innovating the system and establishing and improving laws and regulations on agricultural insurance.