Compared to other forms of insurance organizations, mutual insurance has advantages, such as low insurance costs and low management costs etc., and it firstly enters the field of agricultural insurance when it is introduced to China, which obtains preliminary results, meanwhile, there also have obstacles and difficulties in the process of practice. The future development of mutual insurance depends on the establishment of relevant laws and regulations and the improvement of self managerial system.%相互制保险比照其他保险组织形式具有保险成本低和管理成本低等优势,引入我国后首先进入了农业保险领域,取得了初步的成效,同时在实践过程中也遇到了阻碍和困难.相互制保险的未来发展有赖于相关法律法规建设和自身管理制度的完善.
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