10月16日，財政部有關負責人表(biao)示，《指導意(yi)見(jian)》從頂層(ceng)設計上明(ming)確了加快農業(ye)保(bao)險(xian)高質量發展(zhan)的(de)(de)指導思想、基本原則、主要(yao)目標(biao)、保(bao)障措(cuo)施等，是在新的(de)(de)歷史時期推動我國農業(ye)保(bao)險(xian)改(gai)革發展(zhan)的(de)(de)重要(yao)舉措(cuo)，是今(jin)后(hou)一段時期開展(zhan)農業(ye)保(bao)險(xian)工作的(de)(de)根本遵循。

一是首次明(ming)確(que)了(le)(le)農(nong)(nong)業(ye)保險的(de)政策(ce)性(xing)屬(shu)性(xing)。此前(qian)，社會各界對財政補貼型(xing)險種是否屬(shu)于政策(ce)性(xing)業(ye)務具有一定(ding)(ding)爭議。此次《指導意見》明(ming)確(que)提出(chu)(chu)“農(nong)(nong)業(ye)保險作為分散(san)農(nong)(nong)業(ye)生產經營(ying)風險的(de)重(zhong)要手段，對推進(jin)(jin)現(xian)代農(nong)(nong)業(ye)發展、促進(jin)(jin)鄉村產業(ye)振興、改(gai)進(jin)(jin)農(nong)(nong)村社會治理、保障農(nong)(nong)民收(shou)益等具有重(zhong)要作用”，這賦(fu)予了(le)(le)農(nong)(nong)業(ye)保險明(ming)確(que)的(de)政策(ce)目標(biao)，要求(qiu)其(qi)承擔一定(ding)(ding)政策(ce)職能(neng)，同時(shi)明(ming)確(que)提出(chu)(chu)“推進(jin)(jin)政策(ce)性(xing)農(nong)(nong)業(ye)保險改(gai)革(ge)試點”。

二是(shi)拓(tuo)展了農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)內涵和(he)外延。在目前(qian)農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)涵蓋(gai)種植(zhi)業(ye)(ye)、養(yang)殖業(ye)(ye)和(he)林業(ye)(ye)的(de)基礎(chu)上，《指(zhi)導意(yi)見》提出進(jin)一(yi)步拓(tuo)寬農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)服務(wu)領域，探索(suo)開展一(yi)攬子(zi)綜合險(xian)(xian)(xian)(xian)，將農(nong)(nong)(nong)業(ye)(ye)生產設施設備、農(nong)(nong)(nong)民短期(qi)(qi)意(yi)外險(xian)(xian)(xian)(xian)等(deng)一(yi)并(bing)納入農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)服務(wu)范圍，滿足農(nong)(nong)(nong)戶多元化的(de)風險(xian)(xian)(xian)(xian)保(bao)(bao)障(zhang)需求。同(tong)時(shi)鼓勵探索(suo)開展“農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)+”，加強(qiang)農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)賠付資(zi)金與政府救災(zai)資(zi)金的(de)協同(tong)運用，推進(jin)農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)與信貸、擔保(bao)(bao)、期(qi)(qi)貨（權(quan)）等(deng)金融(rong)工具聯動。

三是突出強(qiang)調了提質增效、轉型升級的(de)(de)要(yao)求(qiu)(qiu)。《指(zhi)導意見(jian)》堅持問題導向和目標(biao)導向，提出了一系列加(jia)(jia)(jia)(jia)快農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)高(gao)質量發(fa)(fa)(fa)展(zhan)的(de)(de)創(chuang)新性舉措。根據《指(zhi)導意見(jian)》要(yao)求(qiu)(qiu)，我國農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)的(de)(de)發(fa)(fa)(fa)展(zhan)目標(biao)更(geng)(geng)加(jia)(jia)(jia)(jia)明(ming)確，頂層設(she)計更(geng)(geng)加(jia)(jia)(jia)(jia)統(tong)一，財政(zheng)支持更(geng)(geng)加(jia)(jia)(jia)(jia)有力(li)，地(di)方責任更(geng)(geng)加(jia)(jia)(jia)(jia)清晰(xi)，基礎設(she)施更(geng)(geng)加(jia)(jia)(jia)(jia)完善，管理要(yao)求(qiu)(qiu)更(geng)(geng)加(jia)(jia)(jia)(jia)嚴格。同時，《指(zhi)導意見(jian)》在提高(gao)農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)服務能力(li)、優化農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)運行機制、加(jia)(jia)(jia)(jia)強(qiang)農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)基礎設(she)施建(jian)設(she)、做好(hao)組織(zhi)實(shi)施工作等方面都進行了部署安排。以(yi)《指(zhi)導意見(jian)》出臺(tai)為標(biao)志，我國農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)(bao)險(xian)進入了高(gao)質量發(fa)(fa)(fa)展(zhan)的(de)(de)新時期(qi)。

近(jin)年來，財(cai)政部不(bu)斷(duan)加大(da)對農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)支持(chi)力度(du)。2018年，中(zhong)央(yang)財(cai)政撥(bo)付農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)保(bao)(bao)(bao)(bao)費(fei)補貼資(zi)金(jin)199億元，為1.95億戶次(ci)農(nong)(nong)戶提供風險(xian)保(bao)(bao)(bao)(bao)障3.46萬億元，補貼資(zi)金(jin)放大(da)174倍。目前，我國(guo)已(yi)建成基(ji)層(ceng)農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)服務網點(dian)40萬個，基(ji)層(ceng)服務人(ren)(ren)員(yuan)近(jin)50萬人(ren)(ren)，基(ji)本覆蓋所有縣級行政區域、95%以上的(de)(de)鄉鎮和50%的(de)(de)行政村，農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)深度(du)（保(bao)(bao)(bao)(bao)費(fei)/第(di)一(yi)產(chan)業(ye)(ye)(ye)增加值）約0.88%、農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)密度(du)（保(bao)(bao)(bao)(bao)費(fei)/農(nong)(nong)業(ye)(ye)(ye)從業(ye)(ye)(ye)人(ren)(ren)口）約286元/人(ren)(ren)，農(nong)(nong)業(ye)(ye)(ye)保(bao)(bao)(bao)(bao)險(xian)在金(jin)融服務“三農(nong)(nong)”中(zhong)居領先地(di)位。

有(you)關負責人(ren)介紹，在此基(ji)礎上(shang)，《指導意見》進一步(bu)明確，到(dao)2022年，稻(dao)谷、小麥、玉米3大主(zhu)糧作物農(nong)業(ye)(ye)保(bao)險(xian)覆蓋(gai)率達到(dao)70%以(yi)上(shang)，收入(ru)保(bao)險(xian)成為(wei)我國農(nong)業(ye)(ye)保(bao)險(xian)的(de)重要險(xian)種，農(nong)業(ye)(ye)保(bao)險(xian)深(shen)度達到(dao)1%，農(nong)業(ye)(ye)保(bao)險(xian)密度達到(dao)500元/人(ren)。到(dao)2030年，農(nong)業(ye)(ye)保(bao)險(xian)持(chi)續提質增效、轉型(xing)升級，總體發展基(ji)本達到(dao)國際先進水平，實現(xian)補(bu)貼有(you)效率、產(chan)業(ye)(ye)有(you)保(bao)障、農(nong)民得實惠、機構可持(chi)續的(de)多贏(ying)格局。

有關(guan)負(fu)責人表示，要實現上(shang)述目標，2022年(nian)我國農(nong)業保(bao)險(xian)保(bao)費收入需達到840億(yi)元(yuan)，相當于年(nian)均增(zeng)長(chang)10%以上(shang)，這(zhe)一目標基(ji)本符合(he)我國農(nong)業保(bao)險(xian)發展規律，且具有一定挑戰(zhan)性，經過努力預(yu)計可(ke)如期(qi)實現。