近年来,国家对“三农”问题越来越重视。然而,在国家政策导向日趋明显,要求不断提高的同时,我国的农业保险发展却相对缓慢。这样,一方面,农业经营的规模化、商品化、市场化以及自然灾害的客观存在,形成了对农业保险巨大的市场需求;另一方面,农业保险业务供给严重不足,致使农业保险市场供求严重失衡。本文从经济学原理的角度揭示我国农业保险市场出现当前状况的原因,以及农业保险的公共性、外部性对其影响,并探索通过政府补贴的形式提供改善方案。 In recent years, the state has paid increasing attention to the issue of “three agricultural issues.” However, at the same time that the orientation of national policies is increasingly obvious and the demands are constantly increasing, the development of agricultural insurance in our country is relatively slow. In this way, on the one hand, the scale, commodification, marketization of agriculture and the objective existence of natural disasters have formed a huge market demand for agricultural insurance; on the other hand, there is a serious shortage of supply of agricultural insurance business, resulting in serious supply and demand in the agricultural insurance market Imbalance This article reveals the reasons for the current situation of agricultural insurance market in our country from the perspective of economics, as well as its impact on the public and externality of agricultural insurance. It also explores ways to provide improvements through the form of government subsidies.