Research On The Issue Of Agricultural Insurance Based On Scientific Outlook On Development

China is an agricultural developing country, in which agriculture has vital strategic position. Adhering to the view--people-oriented, overall, coordinated and sustainable development is the major strategic thinking guided the important thinking of Three Represents, and put forward from the overall consideration of the Party and state's development in the new stage and new century. The scientific development outlook requires us to attach great importance to the issues of agriculture, farmer and rural area, gradually narrowing the urban-rural disparity to realize the harmonious development. However, due to the weakness of agricultural foundation, frequency of natural calamities, and inadequacy of the ability to resist them, the risk "Years to get rich, a disaster into poverty" still remains. Meanwhile, the business of agricultural insurance in China, an important financial means to avoid non-systemic risk, is struggling. The actual operation of agricultural insurance confronts many problems, such as high loss ration, operating losses, the small size of the overall scale, the slow pace of development, difficulty in playing the role of disaster prevention and impairment aspects. Lack of overall planning, unclear orientation, legislative delay, inadequate government support, and farmers'low purchasing power are the existing factors that hamper the development of China's agricultural insurance. Therefore, we must attach great importance to the work of agricultural insurance to support agricultural development, and reduce the farmers'losses caused by natural disasters, so as to let farmers live and work in peace and contentment, and enjoy the fruits of scientific development. To deepen the rural reform, and promote the development of the socialist market economy in rural areas, accelerate the establishment of agricultural insurance system has profound significance to stabilize and improve household contract management, perfect the dual operation system, and promote agricultural modernization.Based on the elaboration of agricultural insurance concept, subject and its theoretical basis, this paper discusses the development of agricultural insurance in China and the government's policy towards it, and demonstrates, from the theory and practice, the establishment of policy-based agricultural insurance system is an inevitable choice for sustainable development of China's agricultural insurance. Moreover, the successful mode of foreign policy-based agricultural insurance system is analyzed and quotable experience for its construction is proposed. Finally, the writer explores and puts forward some suggestions on the construction of agricultural insurance system and how to make the best of its safeguard function to enable it to be an effective means to solve the issues of agriculture, farmer and rural area and develop modern agriculture.