However, the author attributes it to both the external factors (the lack of necessary legislative, economic, and administrative supports) and the internal factor (the backward operating technique in agricultural insurance).

• 本文认为，我国农业保险发展滞后既有外在因素，即缺乏必要的法律、经济、行政等政策支持；更有内在因素，即农业保险经营技术落后。