CAJ | 학술논문

我国是自然灾害高发地区。农业的发展因此受到了严重影响．政府已经逐渐认识到开展农业保险尤其是开展政策性农业保险的重要性和必要性。文章从当前政策性农业保险的特点入手，分析了我国政策性农业保险在全国试点中所面临的主要问题，提出了我国政策性农业保险应借鉴国外的成功模式和经验，建立一套符合中国国情的政策性农业保险制度。即加快农业保险的立法工作．建立“政府支持下的商业保险公司经营”组织，建立“三级”保障机制，加大财政补助力度．设立农业巨灾风险基金等。
아국시자연재해고발지구。농업적발전인차수도료엄중영향．정부이경축점인식도개전농업보험우기시개전정책성농업보험적중요성화필요성。문장종당전정책성농업보험적특점입수，분석료아국정책성농업보험재전국시점중소면림적주요문제，제출료아국정책성농업보험응차감국외적성공모식화경험，건립일투부합중국국정적정책성농업보험제도。즉가쾌농업보험적입법공작．건립“정부지지하적상업보험공사경영”조직，건립“삼급”보장궤제，가대재정보조력도．설립농업거재풍험기금등。
China is a country where natural disasters frequently occur, which brings a serious impact on its agricultural production. Therefore, the government has gradually recognized the significance and necessity of developing agricultural insurance, and in particular, the political and economic importance of developing policy-oriented agricultural insurance. This paper starts from the discussion of the characteristics of current policy-oriented agricultural insurance, makes an analysis of the problems encountered by the experimental unit of Chinese policy-oriented agricultural insurance, and argues that the establishment of a policy-oriented agricultural insurance system suited to China＇ s actual conditions should learn from the successful mode and experience of foreign countries. It suggests that China should mainly learn from the ＂Japanese mode＂ of agricultural insurance, and perfect its policy-oriented agricultural insurance system from the following aspects such as accelerating the legislation of agricultural insurance, establishing the form of ＂commercial insurance organizations supported by the government＂, setting up a three-level security mechanism, increasing financial subsidies, and building the fund of huge agricultural catastrophic risk.