摘要：我国是一个农业受灾严重，自然灾害也比较多发的国家。近10年来，每年的自然灾害，造成了中国的经济损失超过1000亿元以上，受灾人口每年达200多万人次。频繁发生的灾害，都大大影响农业生产，难以使其正常进行，因此农民会陷入贫困或返贫。依照我国目前的农业保险经营模式，一般商业保险公司多数没有能力也不会愿意去承保大风险的农业保险，甚至在极度匮乏的政府财政补贴的情况之下就跟不用谈了。因此，借鉴国外优秀的农业保险发展的模式，分析其经验和实践等，对于我国选择出一个适合国情的农业保险发展模式起着至关重要的作用。

关键词：农业风险 农业保险 经营模式 可保性

Abstract：Our country is an agricultural hard-hit, natural disasters are multiple countries. In recent 10 years, a year of natural disasters, caused the economic losses of more than 100 billion yuan of above, the affected population of more than 200 people a year. Frequent disasters, greatly affect agricultural production, it is difficult to make its normal, so farmers could fall into poverty, or Chinese. In accordance with the current our country agricultural insurance business model, most general commercial insurance company have no ability to also won't be willing to take big risk of agricultural insurance, let alone under the extreme lack of government financial subsidies. Therefore, the analysis of excellent foreign agricultural insurance development pattern of experience and practice, etc., for our country selected a suitable for the situation of agricultural insurance development pattern is a primary goals.

Key words：Agricultural risk  Agricultural insurance  Business model Insurable property