吉林省农业保险发展的制约因素分析

吉林省农业保险发展的制约因素主要包括农民风险防范意识淡薄,对农业保险认识不足;保费承担能力弱,理赔难;财政支持不到位,缺乏巨额风险理赔分担机制以及缺乏有效的法律制度等。因此,应从完善相关法律法规、加大政府财政支持力度、构建农业巨灾风险转移分担机制以及加强农业保险服务网络建设等方面推进吉林省农业保险事业的发展。

An analysis on the constraints of agricultural insurance development in Jilin Province

The constraints of agricultural insurance development in Jilin Province mainly includes the farmers＇weak awareness of agricultural insurance,the lack of knowledge on agricultural insurance,the weak premium affordability and difficulty in settling claims,not enough financial support,the lack of substantial claim risk-sharing mechanisms and the effective legal system.Therefore,the development of agricultural insurance in Jilin Province should be promoted by perfecting relevant laws and regulations,increasing government financial support,building the risk-sharing mechanisms of agricultural catastrophes and strengthening the network construction of agricultural insurance services.