Answer: (1) Define the boundary between government and market. Local governments at all levels do not participate in the specific operation of agricultural insurance. On the basis of fully respecting the operational autonomy of insurance institutions in product development, actuarial pricing and underwriting claims, we will mobilize the enthusiasm of market participants by giving necessary support such as premium subsidies, catastrophe compensation and providing information and data. Grass-roots government departments and relevant units can assist in handling agricultural insurance business in accordance with relevant regulations.

(2) Clean up and standardize the agricultural insurance market. Strengthen the supervision of financial subsidy funds, deal with insurance institutions that defraud financial subsidy funds according to law, and implement joint punishment for dishonesty. Further standardize the order of the agricultural insurance market, reduce the operating cost of agricultural insurance, and increase penalties for insurance institutions' false capital, inadequate catastrophe risk arrangement, false underwriting, false claims, etc. Insurance institutions that fail to meet the basic business requirements and have major violations and major risks will resolutely withdraw from the agricultural insurance market according to law.

(3) Encourage the exploration of "Agricultural Insurance Plus". Establish and improve the cooperation mechanism between insurance institutions and disaster prediction, agriculture and rural areas, forestry and grassland departments, and strengthen the overall use of agricultural insurance compensation funds and government disaster relief funds. Promote the linkage between agricultural insurance and financial instruments such as credit, guarantee and futures (rights), expand the "insurance+futures" pilot, and explore the "order agriculture+insurance+futures (rights)" pilot. Establish and improve the rural credit system, improve the credit rating of farmers through the credit enhancement function of agricultural insurance, and alleviate the problem of "difficult and expensive loans" for farmers.

(4) Improve the catastrophe risk dispersion mechanism. Accelerate the establishment of a multi-participation, risk-sharing and multi-level decentralized agricultural insurance catastrophe risk dispersion mechanism with financial support. Implement the agricultural insurance catastrophe risk reserve system to enhance the ability of insurance institutions to deal with agricultural catastrophe risks. Increase the supply of agricultural reinsurance, expand the underwriting capacity of agricultural reinsurance, and improve the reinsurance system and mechanism. Reasonably define the market positioning of insurance institutions and reinsurance institutions, and clearly define the respective responsibilities and obligations of the central and local governments.