《保险研究》20191001-《我国农业保险风险保障:现状、问题和建议》（张峭、王克、李越、王月琴）

［摘   要］正确认识并客观评价过去十几年我国农业保险的发展成就和存在的问题,对于完善新时期农业保险政策、助推农业保险高质量发展具有重要意义。本文从农业保险的核心功能——风险保障视角出发,从保障水平、效率和贡献三方面构建了相对独立又具有内在逻辑、可较为科学评价农业保险风险保障程度的指标体系,并以2008～2018年的数据为基础,对中国农业保险发展状况进行了较为全面深入的分析。本文的研究发现对于推动农业保险高质量发展,明确下一步农业保险政策优化调整的方向和路径具有重要的参考价值。

［关键词］农业保险；风险保障；发展评价；保障水平

［基金项目］本文获得中国农业科学院农业信息研究所基本科研业务费(2019JKY043)和太安农业保险研究院的资金资助。

［作者简介］张峭,中国农业科学院农业信息研究所研究员,E-mail:zhangqiao@caas.cn;王克(通讯作者),中国农业科学院农业信息研究所研究员,E-mail:wangke01@caas.cn；李越,中国农业科学院农业信息研究所副研究员,E-mail:liyue01@caas.cn;王月琴,中国农业科学院农业信息研究所博士研究生,E-mail:1105118850@qq.com 。

On the Current situation and Problems of Risk Protection of Agricultural Insurance in China and Relevant Suggestions

ZHANG Qiao,WANG Ke,LI Yue,WANG Yue-qin

Abstract：Understanding the development and problems of Chinese agricultural insurance over the past decade properly is important and meaningful for improving agricultural insurance policies and the industry’s high-quality development.As risk protection is considered as the core function of agricultural insurance,this paper selected 9 independent and logically relevant indicators relating to level of development,efficiency and contribution for evaluating agricultural insurance from the perspective of risk protection.Then,on the basis of 2008-2018 data,it conducted a thorough and comprehensive analysis of the development of the agricultural insurance in China.The findings of this paper may have a significant contribution to the following policy revision,path selection and high-quality development of China’s agricultural insurance industry in the future.

Key words：China;agricultural insurance;risk protection;development evaluation;coverage level