不强制参保，大部分保费由财政承担

Core Viewpoint - The article discusses the implications of agricultural insurance for farmers who have leased their land to cooperatives or agricultural enterprises, particularly in cases where the operating entity has ceased operations. It emphasizes that participation in agricultural insurance is voluntary for farmers, following the principle of "who plants, who benefits" [1]. Group 1: Agricultural Insurance Policy - The principle of agricultural insurance claims is based on "who plants, who benefits," meaning that the actual operating entity is responsible for paying the insurance premiums after land transfer [1]. - If the operating entity defaults, farmers have the option to continue or discontinue their insurance coverage based on their own choice, and they should not be forced to participate [1]. - Agricultural insurance is designed to support farmers by providing financial compensation in the event of natural disasters or accidents that lead to crop loss or livestock damage [1]. Group 2: Insurance Premium Subsidies - Agricultural insurance in Sichuan includes both central and local subsidy insurance types, covering various agricultural sectors such as crops and livestock [2]. - Farmers are required to pay only a small portion of the insurance premiums, with the majority covered by government funding. For instance, farmers purchasing insurance for major grains only need to pay 20% of the premium, while the rest is subsidized by various levels of government [2]. Group 3: Public Reactions - Public comments reflect a positive reception of the voluntary nature of insurance participation, highlighting that it is a beneficial policy for farmers [3]. - The principle of "who plants, who benefits" is viewed as a fair approach that clarifies responsibilities and protects farmers from bearing the risks of others [3].