Let farmers fall in love with specialty agricultural insurance

At present, the agricultural characteristics insurance has played an important role in the development of local advantages and agricultural industries, but some local specialty agricultural insurance still has financial subsidy funds delay payment, insufficient innovation of characteristic agricultural insurance products, follow -up services and cumbersome claims procedures, etc. , Resulting in the low willingness to participate in special agricultural insurance. In order to allow special agricultural insurance to better serve agricultural development and help rural revitalization, these problems need to be resolved.

Featured agricultural insurance supports the "protective umbrella"

The half -monthly discussed reporter's research and development in Shandong, Hubei, Guangxi and other places. Some local specialty agricultural insurance provides support for the large -scale agricultural large -scale agricultural scale and guarantees the implementation of the rural revitalization strategy.

In order to help tea farmers to avoid the risk of temperature, Laoshan District, Qingdao City specifically launched the tea temperature index insurance for Laoshan tea, with 200 yuan per mu, of which 98%of the fiscal bearing ratio, and the enterprise paid 2%. Lin Xianyong, the person in charge of Qingdao Bihai Lantian Ecological Agriculture Co., Ltd., said that he insured the insurance and only needed 4 yuan per acre of land to escort the planting Laoshan tea.

Source: Visual China

In Qianjiang City, an important breeding place in Hubei Province, Qianjiang Branch of the People's Property and Insurance Co., Ltd. in 2014, cooperated with local governments to explore the poverty alleviation of agricultural insurance, and develop and launch a crayfish breeding insurance business that is in line with Qianjiang. Zhang Kongsheng, a farmer in Laoxin Town, Laoxin Town, Qianjiang City, said that he only needs to pay 24 yuan per acre to get the guarantee of 1,500 yuan per mu. As of the end of 2021, Qianjiang Lobster Insurance Insurance covers an area of ​​473,000 mu, providing risk guarantee nearly 710 million yuan, and the amount of compensation reached 18.1769 million yuan.

In 2021, Guangxi successfully landed in the country's first single commercial pig futures price insurance and local financial subsidy pig futures price insurance. %, Thereby avoiding the risk of income declines that may cause pork prices.

In Hebei, Zhejiang, Shanxi and other places, characteristic agricultural insurance basically covers important agricultural products, leading industries and local characteristics. Hebei Province has opened nearly 120 types of insurance covering the planting, breeding, and forestry. It has also opened a region with agricultural facilities and greenhouse insurance, and encouraged local finances to perform financial support according to its own selected varieties in the region. For more than 10 years in Zhejiang Province's special agricultural insurance, special agricultural insurance has been richer, and as of the end of 2021, it has increased to 137. In 2019, on the basis of the four insurances of the original apple, pear, red dates, and walnuts, Shanxi added a special agricultural subsidy insurance type in each county to expand the scope of rewards with awards, and expand the local characteristic agricultural insurance policy system.

The development of characteristic agricultural insurance must be eliminated

Local supporting subsidies are under pressure, and funds are not in place. Industry insiders such as Zheng Hebin, an expert in Hunan Province, said that due to the limited budget, the grass -roots governments have relatively small subsidies for the financial insurance financial supporting funds of characteristic agricultural insurance, and the proportion of self -payment premiums for farmers to bear characteristic agricultural insurance is relatively high. Some interviewed insurance companies stated that when agricultural insurance financial subsidy funds are allocated step by step to the county level, the situation of delay payment insurance companies often occur. Insurance companies are paying for their own premiums with their own premiums, facing a large number Risk exposure. Su Huiyuan, assistant to the general manager of the PICC PICC Guigang City Branch, admits that the company basically pays the premiums to pay premiums to the financial application, which affects the efficiency of the company's compensation.

Insufficient innovation of characteristic agricultural insurance products. A person in the insurance industry said that although local agricultural type insurance is relatively complete, the door category is scattered and small, and the lack of dislocation development and innovative products has led to homogeneity and imitation copying of agricultural insurance products.

The insurance market is mixed, the rural institutions are incomplete, the service is unable to keep up after the insurance, and the procedures for processing and claims are cumbersome. The interviewees said that in 2015, the original China Insurance Regulatory Commission canceled the approval of the qualifications of agricultural insurance operations, but the market access conditions were not introduced in the future. At present, the agricultural insurance market is actually in a state of zero threshold. As insurance companies operating agricultural insurance have gradually increased, excessive operating entities are easy to compete for limited business resources. Nong Xiangjiang, the head of the insurance department of Guigang Branch of Guangxi Banking Regulatory Bureau, said that the local agricultural insurance business mainly conducted business activities by 7 insurance companies in sub -regions, but because individual insurance companies were incompletely laid in rural institutions, they could not invest more, and lacked agricultural agriculture. Insurance operation experience, the service after the insurance is unable to keep up, which harms the image of agricultural insurance and the enthusiasm of farmers.

Agricultural experts interviewed said that in the traditional sense, specialty agricultural insurance insurance is mostly offline insurance, with cumbersome procedures and claims, and there are problems such as time consumption. Low wishes.

Optimize insurance varieties and increase regulatory efforts

Interviewees stated that they can start from the increase in the investment and optimization of insurance varieties and the difficulty of regulatory difficulties.

——In the efforts of digital energy, and improve the level of science and technology of characteristic agricultural insurance. Relevant sources of agricultural and rural departments in many places said that the local agricultural insurance system should be promoted to digital reform of the agricultural insurance system, creating a convenient service port for farmers' participation in insurance, a rapid response channel for agricultural disaster prevention claims, and precision intelligence controllers for agricultural disaster risk prevention supervision. At the same time, the barriers of opening insurance data, meteorological data, and agricultural data are analyzed and calculated through big data, thereby improving the insurance efficiency of characteristic agricultural insurance, and further optimization of relevant insurance types. ——In strengthen government -enterprise collaboration and increase supervision. On the basis of the basic insurance of fiscal insurance, relevant persons have launched more commercial supplementary insurance types to make full use of government resources and market resources to establish a diversified insurance system to make the entire agricultural insurance system more perfect. In addition, it is recommended that agricultural and rural areas, banking insurance supervision, finance and other departments, in -depth listing lists of farmers' insurance claims, data sharing lists of insurance companies, and difficulties in government risk control supervision to improve government supervision.

—— Carry out regular evaluation, and establish and improve the dynamic management system and risk decentralization management mechanism. Interviewees said that the third -party tracking survey and evaluation mechanism can be established and the agricultural insurance expert consultation mechanism can be established, the implementation of agricultural insurance products is regularly evaluated, surveyed by farmers' satisfaction and insurance demand surveys, and supporting eligible local characteristics insurance upgrades and expansion are expanded. The insurance types that are less insured and do not welcome farmers will be eliminated and exited in time, and scientific access to insurance types, survival of the fittest, and dynamic management are implemented.

——In the publicity of characteristic agricultural insurance, and enhance the awareness of farmers' insurance. Zhao Mingxi, Director of the Finance and Employment Office of the Qingdao Agricultural and Rural Bureau, said that local governments and relevant departments should widely promote the significance of policy agricultural insurance, business processes, policy measures, and main terms of insurance through training and discussion. Attach importance to agricultural insurance work, increase the enthusiasm of voluntary insurance for farmers, and enhance the awareness of risk avoidance of farmers.

Source: "Half Moon Talk Internal Edition" 2022, No. 8

Reporter: Wei Yan Feng Weijian Yang Chi Hou Wenkun Liu Wang Min Wang Kai He Wei Liu Zhiqiang Xu Shun Da Wang Jian | Editor: You Li

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