中文摘要：

阐述了沿海地区农业保险发展的条件与基础，从政府支持对沿海农业保险发展的推动效应、财政补贴对沿海农业保险发展的拉动效应以及沿海六省（市）农业保险发展对区域经济的促动效应等3个方面，对沿海地区农业保险发展效应进行了理论分析。以山东省为例的实证研究表明，农业保险费用支出对促进沿海农业发展具有积极而显著的影响。指出沿海农业保险与传统农业保险有较大区别，沿海地区在发展农业保险时应突出沿海农业的特色与优势，并始终将开展政策性农业保险作为工作重点；沿海与内地不同区域的发展水平和发展阶段的差异，使得农业保险的供给形式呈现出明显的区域符号特征，农业保险的区域差异化特征将长期存在。

英文摘要：

This paper first discusses the conditions and bases of agricultural insurance development in China＇s coastal areas. Then this paper theoretically analyzes the development effect of agricultural insurance in China＇s coastal areas from the three following aspects：driving effect of government support, pulling effect of financial subsidy and promoting effect of regional economy. The empirical study in Shandong province shows that agricultural insurance expenditure has a positive and significant influence on agricultural development in China~s coastal areas. There are many remarkable differences between coastal agricultural insurance and traditional agricultural insurance. Agricultural insurances in coastal areas should emphasize the characteristics and advantages of coastal agriculture and pay more attention to policy agricultural insurance, Meanwhile,differences of developmental level and stage between China＇s coastal areas and inland areas make the supply mode of agricultural insurance showing an obvious regional characteristics. The regional difference of agricultural insurance will exit for a long time.