Asymmetric information is a main obstacle to the operation and development of agricultural insurance: purely commercial model does not work, and completely policy-based agricultural insurance cannot settle the contradiction.

• 摘要信息不对称问题是阻碍农业保险经营与发展的重要障碍，在纯商业化形式不适用的情况下，单纯的政策性农业保险也难以化解此矛盾。