我国农业巨灾保险制度优化路径研究
Research on the Optimization Path of Agricultural Catastrophe Insurance System in China

随着我国农业生产的规模化和市场化进程的加快，农业面临的自然灾害风险日益凸显，农业巨灾保险作为保障农业生产安全和农民收入稳定的重要手段，已成为当前农业风险管理的重要组成部分。然而，我国农业巨灾保险制度在法律法规体系建设、政府与市场协作、保险产品供需匹配以及风险分散机制等方面存在诸多问题，制约了其发展。通过对我国农业巨灾保险发展现状的分析，本文总结了其存在的主要问题，并提出了健全法律法规体系、加强政府与市场协作、推动保险产品供需匹配以及强化巨灾风险分散机制等优化路径。研究结果为我国农业巨灾保险制度的完善和可持续发展提供了理论支持和实践参考，以推动农业巨灾保险在风险管理中的作用得到充分发挥，为农业生产的稳定和农村经济的持续发展提供有力保障。
With the acceleration of the scale and marketization of China’s agricultural production, the risk of natural disasters faced by agriculture is becoming more and more prominent, and agricultural catastrophe insurance, as an important means of guaranteeing the safety of agricultural production and the stability of farmers’ incomes, has become an important part of the current risk management in agriculture. However, China’s agricultural catastrophe insurance system has many problems in the construction of laws and regulations, government and market collaboration, matching the supply and demand of insurance products, and risk dispersion mechanism, which restricts its development. Through the analysis of the current situation of the development of agricultural catastrophe insurance in China, this paper summarizes the main problems and puts forward the optimization paths of improving the legal and regulatory system, strengthening the collaboration between the government and the market, promoting the matching of the supply and demand of insurance products, and reinforcing the mechanism of catastrophe risk dispersion. The results of the study provide theoretical support and practical reference for the improvement and sustainable development of China’s agricultural catastrophe insurance system, in order to promote the full play of the role of agricultural catastrophe insurance in risk management, and provide a strong guarantee for the stability of agricultural production and the sustainable development of the rural economy.