Abstract:The rapid development of China’s policy-oriented agricultural insurance in recent years is closely related to the strong support of the state finance.By using descriptive statistical data this paper sorts out the development trend of China’s policy-oriented agricultural insurance since the pilot project in 2007.Comparing with the policy-oriented agricultural insurance of the United States,Canada,Japan and other countries,in-depth analysis is made on the existing problems and difficulties of China’s policy-oriented agricultural insurance under the new circumstance.The research shows that there is not only a big gap between the practical development of policy-oriented agricultural insurance and policy expectations,but also some problems compared with developed countries,including the inconsistency between the objectives of agricultural insurance policy and the situation of agricultural development,the insignificant provincial differences of financial premium subsidies,the relatively single types of agricultural insurance,the relatively small number of agricultural products supported by financial support,the relatively low level of agricultural insurance security,and the relatively backward management of agricultural insurance organizations.Thus,the optimization path of agricultural insurance policy is put forward:going on adjusting the goal of agricultural insurance policy,formulating the policy of differentiated premium subsidy of central finance according to the situation of provinces,taking on complete cost insurance,output insurance and income insurance,enlarging the range of agricultural products with financial support,enhancing the level of agricultural insurance guarantee,and constructing a national agricultural insurance management system.