本文字数：4359字 阅读时间：10分钟 文章来源：《保险理论与实践》2024年第11辑 一、引言 农业保险在助力政府防范农业灾害、提升农业防灾救灾水平等方面发挥了重要作用，已经成为国家防灾减灾的重要组成 部分。2019年财政部等四部门印发《关于加快农业保险高质量发展的指导意见》提出"将农业保险纳入农业灾害事故防 范救助体系"。2021年，财政部印发《中央财政农业保险保费补贴管理办法》，明确要求保险公司"强化风险管控""协助 做好防灾防损工作"。2022年，原银保监会《农业保险承保理赔管理办法》要求保险机构"应当强化与农业防灾减损体系 的协同，提高农业抵御风险的能力"。2023年，原银保监会《关于财产保险业积极开展风险减量服务的意见》要求加快 发展财险业风险减量服务，提高防灾减灾救灾能力。本文理论结合实践，在系统性地总结理论必要性的基础上，归纳当 前农业保险行业实施风险减量的主要做法，深入分析过程中存在的痛难点，为新时期通过风险减量服务提升农业灾害应 急管理能力提出政策参考。 二、理论基础 1.风险补偿与恢复生产 农业生产面临诸多自然灾害和意外事故的威胁，当灾害发生时，农业保险可以为受灾农户提供经济补偿，帮助 ...

Core Insights - The Chinese government aims to establish a comprehensive and competitive insurance industry by 2035, focusing on diverse products and effective regulation [1] - The concept of risk reduction in insurance services is gaining traction, emphasizing proactive management over traditional compensation models [1][2] - The health insurance sector is evolving to include risk reduction services, integrating health management to lower the incidence of claims and medical expenses [2] Group 1: Regulatory Framework - The State Council's guidelines from September last year set a target for a well-rounded insurance market by 2035 [1] - The China Banking and Insurance Regulatory Commission issued opinions in January 2023, urging property insurance companies to provide risk reduction services across various insurance types [2] Group 2: Industry Trends - Insurance companies are extending their services to include risk identification, early warning, and prevention, transitioning from passive claims to active management [1] - The health insurance market is increasingly focusing on a "product + service" ecosystem, driven by rising consumer demand for health protection [2] Group 3: Health Management Initiatives - Health management, originating in the late 1950s in the U.S., aims to control disease occurrence and reduce insurance payouts through systematic health management [2] - Domestic insurance firms are exploring various health management strategies, including partnerships with hospitals and comprehensive service offerings [2]