农村保险市场的开发光有政府的扶持和保险公司的产品供给是不够的,还必须加快培养和形成一定规模的消费群体,培育农村保险市场,这正是农村保险的难点所在。在这方面,县市政府应有所作为,主要针对农村收入水平低,保费负担能力有限,农民缺乏保险的基本知识、投保积极性不高,以及? It is not enough for the development of rural insurance market to be supported by the government and the supply of insurance companies. It is also necessary to speed up the training and formation of a certain scale of consumer groups and foster the rural insurance market, which is where the difficulties of rural insurance lie. In this regard, the county and city governments should make a difference, focusing mainly on the low income level in rural areas, the limited affordability of farmers’ premiums and the lack of basic knowledge of farmers, and the lack of enthusiasm in insuring them.