【摘要】 土地经营权流转履约保证保险可分摊土地经营权流转过程中的履约风险，是新型农业风险保障机制，可充分维护农民合法土地权益。土地经营权流转履约保证保险机制面临着立法缺失和实践障碍等现实难题，亟需厘清土地经营权流转履约保证保险的法律性质，从法律关系、保险费率、保险模式、保险责任等方面对土地经营权流转履约保证保险进行精细化制度建构。可从制度功能和构成要件等维度论证土地经营权流转履约保证保险为财产保险，巩固其理论基石。结合农村土地流转特性，从投保人、保险人、被保险人、保险利益等方面构造土地经营权流转履约保证保险法律关系，因地制宜采用浮动费率，明确保险责任承担范围包括投保人主观道德风险和客观自然风险所引发的保险事故，采取强制和任意相结合的保险模式，以深入推进土地经营权流转履约保证保险于农村社会的施行，切实保障土地经营权的流转。更多还原

【Abstract】 Performance guarantee insurance for the transfer of rural land management rights serves as a novel agricultural risk management mechanism that allocates performance risks during the land management rights transfer process, effectively safeguarding farmers’ legitimate land rights and interests. However, this mechanism currently faces practical challenges such as legislative gaps and operational barriers. It is imperative to clarify the legal nature of performance guarantee insurance for land management rights transfer and establish a refined institutional framework covering legal relationships, insurance premium rates, insurance models, and liability coverage. This paper argues from dimensions of institutional functions and constituent elements that such insurance should be categorized as property insurance, thereby consolidating its theoretical foundation. Considering the unique characteristics of rural land circulation, the legal relationships of this insurance should be structured around policyholders, insurers, insured parties, and insurable interests. Context-specific floating premium rates should be adopted, with liability coverage explicitly including insurance incidents caused by both policyholders’ subjective moral hazards and objective natural risks. A hybrid insurance model combining mandatory and voluntary participation should be implemented to advance the practical application of performance guarantee insurance in rural communities, ensuring effective protection for land management rights transfers.更多还原