我国是世界上农业自然灾害最为严重的国家之一,有统计数字显示,近10年来,我国平均每年约有3亿亩农作物受灾,2亿多农村人口受到灾害影响,种植业因灾遭受的损失率高达11%。而在灾害面前,农民的抗风险能力很弱,常常是“一年遭灾、三年受贫”。正是这样的现实,带来了发展农业保险的迫切需求。 China has one of the most serious natural disasters in agriculture in the world. Statistics show that in the recent 10 years, about 300 million mu of crops have been affected each year in our country, more than 200 million rural residents have been affected by disasters, Rate up to 11%. In the face of disasters, farmers have a very weak anti-risk ability, often suffering from “one year’s disaster and three years of being poor.” It is this reality that has brought the urgent need of developing agricultural insurance.