中文摘要：

淡水养殖业是我国大农业的重要组成部分,目前我国淡水养殖保险普及范围小、产品覆盖种类少、保障能力有限且稳定性差,总体上仍处于初级发展阶段。本文首先从我国淡水养殖业的发展现状出发,总结了我国淡水养殖保险发展中面临的制约因素,包括行业自身风险高、防灾防损能力低、保险公司承保积极性不足等,最后基于制约因素分析,从行业自身的风险抵抗能力、健全社会化服务体系、强化政府政策指引、保险公司的产品开发、养殖户正确养殖理念的形成等方面,提出了相应的对策建议。

英文摘要：

Freshwater aquaculture is an important component of agriculture in China. The current freshwater aquaculture insurance is only popular in very limited areas,and covers a small range of species,it also has the disadvantages of limited capacity and poor stability,thus on the whole it is still at an early stage of development. Firstly,from the current development of freshwater aquaculture departure,the paper summed up the constraints of freshwater aquaculture development in the view of insurance,including the industry＇ s own high-risks,low-loss prevention capabilities,lack of motivation in insurance companies,etc. Finally, based on constraints analysis,the paper put forward the corresponding countermeasures from the respect of the industry＇s own ability to resist risks,improving and strengthening the government＇ s policy guidelines on the social service system,the insurance company＇ s product development,the dissemination of right aquaculture concept in farmers.