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农业保险的险种选择和设计合理与否非常重要。本文试从陕西省较成功的烤烟种植成本保险出发,谈谈开展农业保险时的险种选择问题。 一、陕西省烤烟种植成本保险简介 烤烟是陕西省主要经济作物之一,年栽种面积130万亩。陕西的渭北地区和延安地区最宜烤烟生长,但是上述地区冰雹灾害多发,每年都给烤烟生产造成严重损失。为适应烟农的需求,从1987年起,人保陕西省分公司开办了烤烟种植成本保险,七年来共承保烟田450万亩,承保比重为61.7％,保险费收入2487.2万元,
It is very important that the insurance of agricultural insurance should be selected and designed rationally. This article tries to start from the more successful cost-saving of planting tobacco in Shaanxi Province, and talk about the selection of the types of insurance when carrying out agricultural insurance. I. Introduction of Flue-cured Tobacco Planting Cost Insurance in Shaanxi Province Flue-cured tobacco is one of the major cash crops in Shaanxi Province with annual planting area of 1.3 million mu. The most suitable flue-cured tobacco grows in Weibei area of Shaanxi Province and Yan’an area, but hail disaster is frequent in the above areas, causing serious losses to flue-cured tobacco production every year. In order to meet the needs of farmers, since 1987, PICC Shaanxi Branch has started the insurance of flue-cured tobacco planting cost, covering a total of 4.5 million mu of tobacco fields over the past seven years, with a share of underwriting of 61.7% and insurance premiums of 24.872 million yuan,