农业保险是财产保险的有机组成部分,作为农业生产危险转嫁机制,农业保险构成政策保险的重要内容。农业保险的政策性,不仅取决于农业的国民经济基础地位,更是因为农业生产过程和农业所面临的危险具有特殊性。我国农业保险不景气源于政府的制度缺陷,因此,政策性农业保险制度的改革势在必行。 As an integral part of property insurance, agricultural insurance constitutes an important part of policy insurance as a dangerous shift mechanism in agricultural production. The policy nature of agricultural insurance depends not only on the basic status of agriculture in the national economy but also on the peculiarities of the agricultural production process and the risks to agriculture. The downturn of China’s agricultural insurance stems from the government’s institutional defects, therefore, the policy of agricultural insurance reform is imperative.