摘要：我国是农业灾害频发的国家，农业灾害造成的损失相当严重。农业保险作为现代农业发展的三大支柱之一，对于促进农业和农村经济的发展具有重大的现实意义。本文首先提出我国农业保险存在的缺陷与制衡我国农业发展存在的问题，其次通过对国外农业保险模式的介绍与分析，针对我国农业保险存在的诸多问题，提出适合我国农业发展的模式。同时借鉴国外农业保险发展模式经验，因地制宜的对我国农业保险进行改革。另外以我国目前的农业经济发展水平为基准，通过对国外农业保险的吸收，确立现实条件下，我们才能建立适合我国农业发展模式。

关键词:农业保险模式;农业保险经验；中国

Abstract:　China is the country of agricultural disasters, agricultural calamity loss quite serious. Agricultural insurance as modern agricultural development, one of the three pillars of to promote the development of agriculture and rural economy has great realistic significance. Firstly this paper puts forward the defects of China's agricultural insurance and balancing the existing problems in the development of China's agriculture, secondly on the foreign agricultural insurance mode for the introduction and analysis of agricultural insurance, the problems of agricultural development in China, and puts forward the mode suits. Meanwhile foreign agricultural insurance experience, adjust measures to local conditions of agricultural insurance reforms. In addition to our country's current agricultural economy development level as a benchmark, through the absorption of foreign agricultural insurance experience, establishing realistic conditions, we could found a suitable agricultural development model.

Key words: agricultural insurance mode；Agricultural insurance experience ； China