由于农业保险较高的风险性而导致较高的费率,同时农民对每年交付一定的保险费不出险而得不到补偿存在一种“吃亏”的感觉。目前农民的投资意识不是很强,收入结余大部分存入银行。因此对于那些业务范围大而费率相对较低的业务,适宜开展储金还本保险。只要交存一年本金,既能保障出险后得到经济补偿,又 Due to the higher risk of agricultural insurance, which leads to higher rates. At the same time, peasants feel “lose” when they are not compensated for the insurance premiums paid each year. At present, farmers do not have a strong sense of investment and most of their income balances are deposited with banks. Therefore, for those businesses with relatively large business scope and relatively low rates, it is advisable to carry out reserve-backed insurance. As long as one year principal deposit, both to ensure that after the accidental financial compensation, and