In recent years,Chinaˊs agricultural insurance system has made significant development under the support of the policy. However,its types and its scale both have encountered bottleneck for development,or even shrinking and retrogression. The main reason is that the development of agricultural insurance simply relies on policy support and local consciousness,lacking of relevant legislation guidance. In addition,since the new government came to power,it has made the decision to comprehensively promote the deepening of the reform and clearly required all major reforms must have legal basis. In the new historical starting point,it is imperative to take the development of agricultural insurance in-to the legal track and use the rule of law thinking to solve problems of agricultural insurance.%近几年，在政策的大力支持下我国农业保险制度取得了重大的发展。然而发展到现在，农业保险无论在险种上还是规模上都遇到了发展瓶颈，甚至出现了萎缩和倒退。主要原因在于一直以来农业保险的发展简单依靠政策支持与地方自觉，缺乏相关立法进行引导。此外，党的十八届三中全会作出全面深化改革的决定，并明确要求所有重大的改革都必须有法律依据。在新的历史起点上，把农业保险发展纳入法治化轨道，用法治思维解决农业保险问题，势在必行。
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