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农业机械化快速发展保险服务严重滞后改革开放以来,随着我国农村劳动力向二三产业大规模转移,上个世纪九十年代出现了“3861部队”的种田危机。进入新世纪以后,在市场拉动下,我国农业生产领域诞生了众多农机专业合作组织以及数千万人员规模的农机驾驶操作员为代表的职业农民队伍。他们操作农机耕耩锄刨、提耧下种、收获归仓……成为现代农业生产的主力军,保卫着国家粮食安全,而他们得到的风险保障却很少。据陕西、湖北两省开展农机互助保险试点调查推测:至今全国农机的总体参保率不足10%,人身、机身、三者险的保全率不到3%,甚至更
Rapid Development of Agricultural Mechanization Seriously Delayed in Insurance Services Since the reform and opening up, with the large-scale transfer of rural labor forces to secondary and tertiary industries in our country, the “3861 Forces” farm crisis has emerged in the 1990s. In the new century, driven by the market, a large number of specialized cooperative organizations for agricultural machinery and tens of millions of farm-driving operators represented by the ranks of professional farmers were born in the field of agricultural production in our country. They operate agricultural machinery to cultivate and hoe hoe planing, raise their hides and plow under the hors d’oeuvres, harvesting and warehousing ... become the main force of modern agricultural production and defend the country’s food security, and they receive very little risk protection. According to a pilot survey of mutual assistance insurance for agricultural machinery in Shaanxi and Hubei provinces, it is speculated that the overall coverage of agricultural machinery in the country so far has been less than 10%, and the preservation rate of personal, airframe and tripartite risks is less than 3% and even more