政策性农业保险是将政府干预与市场机制结合起来,分散农业生产的风险,保护农民收益,提高农户从事农业生产的信心,保持农村经济增长活力。湖南省常德市作为全国首批政策性农业保险试点市区,自2007年政策性农业保险在常德推行以来,通过多方的探索和尝试,取得了显著的成效,形成了现在的“常德模式”。 Policy-based agricultural insurance combines government intervention with market mechanisms to disperse the risks of agricultural production, protect farmers ’incomes, increase the farmers’ confidence in agricultural production and maintain the vitality of rural economy. Changde City, Hunan Province, as the first pilot city of policy-based agricultural insurance in China, has made remarkable achievements since the policy-oriented agricultural insurance was introduced in Changde in 2007. Since its establishment, ".