本科论文摘 要随着社会经济的发展，我国农业保险经营模式却显得不合时宜，尤其自 2018 年开始的中美贸易问题中得以显现的，农业保险对农业发展的辅助作用未得到显著表现。本文通过对日美两个农业高度发达的东西方国家同中国的农业保险经营模式进行对比分析，总结得出由于农业的高风险性和低收益性，其发展离不开政府的大力支持，同时，必要的社会参与也是不可或缺的。中国的农业保险发展过程中存在不少的问题，有法律上不完善导致的漏洞，也有保险公司的业务上的不规范，农户个人的道德素质也对农业保险的发展也是一把双刃剑。为此，我们可以得出构建适合中国国情的农业保险经营模式首要的是在提高政府的财政补贴比率和农险密度和深度，通过财政转移支付这一形式，辅之以专业的商业性保险公司操作具体的日常性的业务经营活动，同时也可以利用现代科技诸如大数据和“期货+保险”等新形式。必将极大的完善中国现行的农业保险经营模式。关键词：农业保险，经营模式，财政补贴，“三农”本科论文AbstractWith the development of social economy, China‘s agricultural insurance business model seems to be out of date, especially since the beginning of the china-us trade issue in 2018, agricultural insurance‘s supporting role in the development of agriculture has not been significantly manifested. This paper makes a comparative analysis of the agricultural insurance operation modes of Japan and the United States, two highly developed agricultural countries in the east and the west, and China, and concludes that due to the high risk and low profitability of agriculture, its development cannot be separated from the strong support of the government, and the necessary social participation is also indispensable. There are many problems in the development of agricultural insurance in China, such as loopholes caused by imperfect laws and irregularities in the business of insurance companies. The moral quality of farmers is also a double-edged sword for the development of agricultural insurance. For this...
