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目前我国农业保险的经营状况令人堪忧,如果不采取相应的配套扶持体系,我国的农业保险恐怕依然难以走出困境。本文认为,建立中国农业再保险体系是改变我国农业保险窘况的重要举措。同时,农业再保险不仅仅是对农业保险的一种支持,更是使农业保险走向良性循环的制度安排。农业再保险通过扩大原保险人的承保能力、保障业务经营的稳定性、增加原保险人的可运用资金等方面,对农业保险的可持续发展有着重要的支持作用。本文认为,建立我国农业再保险体系框架,应主要从立法、建立主体、确定农业再保险的游戏规则和相应的优惠政策等方面给予考虑。
At present, the operating conditions of agricultural insurance in our country are worrying. If we do not adopt the corresponding supporting system, China’s agricultural insurance will still be hard to get out of the woods. This paper argues that the establishment of China’s agricultural reinsurance system is an important measure to change the predicament of China’s agricultural insurance. At the same time, agricultural reinsurance is not only a support for agricultural insurance, but also a institutional arrangement that brings agricultural insurance to a virtuous circle. Agricultural reinsurance plays an important supporting role in the sustainable development of agricultural insurance by expanding the underwriting capacity of the original insurer, ensuring the stability of business operations and increasing the fund available to the original insurer. This paper argues that the establishment of China’s agricultural reinsurance system framework should be mainly from the legislation, the establishment of the main, determine the rules of the game of agricultural reinsurance and the corresponding preferential policies to give consideration.