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长期以来,理论界对政策性农业保险的必要性和意义进行了持久的、深入的和广泛的讨论,并且已经达成了共识:政策性保险制度对帮助农民在农业生产遭受损失的情况下,提高抗灾自救的能力、快速恢复生产、鼓励农民在农业上更多地投资和敢于采用新技术、进一步提高农业生产水平、稳定农民收入、以及保证经济稳定发展等方面,能够达到政府直接救济所达不到的效果。但是,政府补贴下的农业保险存在的问题也同时受到普遍关注,各国关注
For a long time, theorists have held long-lasting, in-depth and extensive discussions on the necessity and significance of policy-oriented agricultural insurance and have reached a consensus that the policy-based insurance system will help farmers to increase their losses in agricultural production The ability to fight against disasters and self-help, quickly restore production, encourage farmers to invest more in agriculture and dare to adopt new technologies, further improve the level of agricultural production, stabilize farmers’ income, and ensure the steady economic development, can reach the level of direct government relief To the effect. However, the problems existing in agricultural insurance under government subsidies are also commonly noticed by all countries