| 摘要 |
This article investigates the development process and current status of policy-based agricultural insurance in Chongqing. Based on recent data-including premium income, compensation amounts, the number of insured households, and insurance penetration, the article analyzes the primary challenges faced in the system’s operation and proposes recommendations from two dimensions: institutional optimization and practical interventions. These recommendations include establishing a differentiated participation incentive mechanism, optimizing the composition of insurance products, enhancing risk diversification and reinsurance systems, creating an agricultural disaster risk reserve fund, developing a dynamic fiscal subsidy distribution mechanism based on risk and performance, improving information-sharing platforms, strengthening the rural grassroots power grid infrastructure, and accelerating the adoption of modern technologies in underwriting and claims settlement processes. The findings suggest that the coordinated advancement of institutional optimization and technological empowerment can substantially enhance the inclusiveness, sustainability, and operational efficiency of policy-based agricultural insurance in Chongqing, thereby providing substantial support for agricultural modernization and the Rural Revitalization Strategy. |
