“三年得温饱、五年奔小康,一场大水全冲光”。这句话道出了农民靠天吃饭的尴尬命运,表现出农民因缺少农业保险而面临的被动局面。如今,虽然农民的保险意识逐渐增强,但商业性保险公司却因无利可图而对农业保险避而远之,致使农民投保无门。面对这种现象,保监会有关方面表示,建立中国农业保险制度的设想已经初步形成,多种模式的农业保险试点工作也已陆续铺开,明年还将进一步大农业保险的试点范围,深化农业保险试点工作。 “Three years have enough food and clothing, five years of well-to-do, a flood all-rounder.” This sentence tells the peasants the awkward fate of eating by the weather and shows that the peasants are facing a passive situation due to the lack of agricultural insurance. Nowadays, although the insurance awareness of peasants is gradually increasing, commercial insurance companies avoid agricultural insurance because they are unprofitable, which results in the peasants being insured. Faced with this phenomenon, the CIRC concerned parties said that the idea of ​​establishing China’s agricultural insurance system has been initially formed, a variety of models of agricultural insurance pilot work has been rolled out, next year will further large pilot scope of agricultural insurance, deepen agricultural insurance pilot work.