农业巨灾保险基金

农业巨灾保险基金浅析

Brief Analysis of Agricultural Catastrophe Insurance Fund

农业巨灾保险基金是由各级政府参与制定，需要金融市场、保险人、公众等多方主体共同参与，用于防范因农业巨灾风险引起的政府或者保险公司超额赔偿风险的一种专项基金。

And agricultural catastrophe insurance fund is a special fund , which can prevent excess compensation risk of government or insurance company caused by agricultural catastrophe .

结合我国实情，农业巨灾保险基金是分散农业巨灾风险，促进我国农业保险健康发展的一项有效措施。

Based on the reality of China , agricultural catastrophe insurance fund is an efficient method to diversify the catastrophic risk and facilitate the healthy development of agricultural insurance .

介绍农业巨灾保险基金的基本模式，探讨了巨灾保险基金相对其他巨灾风险分散手段的优势所在及中国建立农业巨灾保险基金需要注意的问题。

In this article , we briefly introduced agricultural catastrophe insurance fund , compared it with other methods to diversify the catastrophic risk and the problems that China should pay special attention to were studied .

之后几年，我国多个省份积极探索农业巨灾保险基金试点的运作模式，取得了一定的成绩，但在试点范围扩大的同时，也暴露出很多问题。

For a few years , a lot of provinces actively explore the operation modes of the agricultural catastrophe insurance fund pilot and have made some achievements . Meanwhile , there are many problems appear following the expansion of the pilot extant .