农业是国民经济的基础,农业生产的稳定发展是国民经济健康发展的关键。农业作为一个特殊的产业,与其他产业相比,存在一个明显的特点,就是受自然灾害风险和市场经营风险的双重约束。保险既是灾害发生后一种有效的风险分散和缓冲机制,又是市场主体在市场竞争中抵御风险的一种有效保障方式。实践表明,实 Agriculture is the foundation of the national economy. The steady development of agricultural production is the key to the healthy development of the national economy. As a special industry, agriculture has a distinct characteristic compared with other industries. It is constrained by the natural disaster risk and the market operation risk. Insurance is not only an effective mechanism of risk diversification and buffering after a disaster, but also an effective safeguard for market players to resist risks in market competition. Practice shows that real