政策性农业保险被誉为农业发展的“稳定器”和”助推器”,是增强农业抵御自然灾害能力,化解农业生产风险,维护粮食安全的一项创新制度.安徽省的政策性农业保险发展取得了较好的成绩,如建立了政策性农业保险制度体系,逐步形成了“省一市一县”3级农业保险服务网络,实现了全省17个市、93个县农业保险全覆盖,采用了“信贷+保险”的新型保险模式,率先试点了“天气指教险”,无人机航拍和GPS定位技术以及“一卡通”服务,推动了安徽省农业的发展.然而,其农业保险中还存在法律法规不完善、保险公司经营风险得不到有效分散、农业保险专业人才缺乏等问题.需要通过加快农业保险的立法进程、建立健全农业再保险体系、利用金融市场深 入探索“信贷+保险”模式、加强农业保险专业人才的培养、依靠科学技术提高农业保险的质量以及增强理赔流程的规范性等措施来完善安徽省政策性农业保险.%Policy-based agricultural insurance was named as the "stabilizer" and "booster". It was a new innovative policy to strengthen agricultural ability to resist disaster, to resolve agricultural production risk and to keep crops safe. The policy-based agricultural insurance development in Anhui Province achieved success- Policy-based agricultural insurance policy system was established. "Province-city-province" three level agricultural insurance service networks were formed gradually, covering 17 cities and 93 counties. By dint of "insurance + credit" new insurance mode, " weather index insurance" was carried out first. Unmanned plane shooting, GPS location technology and "one card" service promoted the development of agriculture in Anbui Province. However, still there were problems such as imperfect laws and regulations, ineffective business risks and shortage of agricultural insurance professions etc. The policy-based agricultural insurance need to be perfect by quickening law formation progress, establishing re-insurance system, exploring "credit + insurancing" financial market mode, strengthening agricultural insurance personnel cultivation , enhance of the quality of agricultural insurance through technology and regulating the standard of claim settlement progress.
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