气候变化冲击下的农业保险发展面临的风险与挑战
The Risks and Challenges Faced by Agricultural Insurance Development under the Impact of Climate Change

气候变化及其所带来的一系列问题是国际社会需要应对的头等大事。日益加剧的气候变化对国民经济各个行业均造成了不同程度的影响，尤其对基础设施建设较为落后、抵御自然灾害能力有限且过多依赖气候资源生存的农业活动带来了更加严重的影响。总的来看，气候变化破坏了农业生产系统、毁坏了农业生产所依赖的基础设施、降低了农业生产能力。对农作物品质产生了不利影响，使得气候变化增加了农业生产的脆弱性，这使得以风险管理和损失补偿为主要职能的农业保险在管理由气候变化导致的风险方面，面临更多的不确定性。这需要我们进一步分析气候变化冲击下农业保险运行到底面临哪些风险，农业保险在风险管理过程中面临哪些难题以及如何推进农业保险的进一步发展来应对未来更加频繁多变的气候冲击。在充分提高农业保险的服务水平与保障能力的基础上，逐步增强我国农业系统的气候弹性，保障粮食安全，为我国农业农村现代化提供安全保障。
Climate change and a series of problems are the top priority for the international community to deal with. The increasing climate change has affected various industries of the national economy to varying degrees, especially the agricultural activities with backward infrastructure construction, limited ability to resist natural disasters and excessive reliance on climate resources. Generally speaking, climate change has destroyed the agricultural production system, destroyed the infrastructure on which agricultural production depends, and reduced the agricultural production capacity. It has an adverse impact on the quality of crops, making climate change increase the vulnerability of agricultural production, which makes agricultural insurance, whose main function is risk management and loss compensation, face more uncertainty in managing the risks caused by climate change. This requires us to further analyze the risks faced by the operation of agricultural insurance under the impact of climate change, what are the difficulties faced by agricultural insurance in the process of risk management and how to promote the further development of agricultural insurance to cope with the more frequent and changeable climate impact in the future? On the basis of fully improving the service level and guaranteeing the ability of agricultural insurance, gradually enhance the climate elasticity of China's agricultural system, ensure food security, and provide security for China's agricultural and rural modernization.