中文摘要：

农业保险风险的特殊性决定了农业保险的保费构成，农业保险的保费构成决定农业保险财政补贴方式选择。由于我国农业保险费率厘定没有完整考虑农业保险保费构成的所有要素，农业保险的实际费率远低于其精算费率，因此，我国农业保险财政补贴方式应由目前的单一保费补贴方式，转变为实行地区差异化和险种差异化保费补贴、分险种提供管理费用补贴和适度提供再保险补贴相结合的补贴方式。

英文摘要：

The specificity of agricultural insurance risk detemfines agricultural insurance premiuins constitu- tion, and the later decides the financial subsidies of agricultural insurance mode selection. China＇s agricul- tural insurance ratemaking considers all dements of the agricultural insurance premiums constitute no com- plete, the actual rate is much lower than its actuarial rates of agricultural insurance. Therefore, the financial subsidies of agricultural insurance in China, should be the single premium subsidies way into the implemen- tation of the regional differences in premium subsidies, administrative expenses subsidies and moderate com- bined subsidies of re - insurance.