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保险公司转轨后,确定了“不赔不赚,收支平衡,略有节余,以备大灾之年”的战略目标,大量削减农业险种的数量,尽量选择不会亏损的险种。从1996年开始,保险公司经营农险的赔付率逐年下降,如1982~1993年,我国农业保险的平均赔付率高达107.88%,1996年赔付率已经降低到68.74%,1997年为
After the reorganization of insurance companies, the strategic objective of “no compensation for losses, balance of payments and expenditures, slight savings for the year of catastrophe” was determined. Large reductions were made in the number of agricultural insurance types and the number of types of insurance that would not be lost was chosen as far as possible. Since 1996, the loss ratio of insurance companies operating in agriculture has dropped year by year. From 1982 to 1993, the average compensation rate of China’s agricultural insurance was as high as 107.88%. In 1996, the payment rate had dropped to 68.74%. In 1997,