“气象+金融” ——气象服务农业保险的创新路径

Core Insights - The forum on "Innovative Development of Meteorological Services and Agricultural Insurance" was held to address the challenges posed by global climate change and to promote the collaborative innovation between meteorological services and agricultural insurance [1][2] - The increasing frequency of extreme weather events significantly impacts agriculture, making the collaboration between meteorological services and agricultural insurance a necessary choice for ensuring agricultural stability [1][2] Group 1: Meteorological Services and Agricultural Insurance - China's meteorological modernization has advanced significantly, establishing the world's largest modern comprehensive meteorological observation system, which supports agricultural insurance through improved forecasting capabilities [1] - The Guangdong province has seen a rising demand for agricultural insurance due to frequent meteorological disasters, leading to successful exploration of meteorological index insurance with increasing premium scale and payout rates [2] - China Life Property Insurance has developed over 300 meteorological index insurance products in collaboration with 15 provincial meteorological centers, utilizing technology for risk reduction management [2] Group 2: Industry Perspectives and Recommendations - The agricultural insurance sector is encouraged to shift from post-disaster compensation to comprehensive risk management, emphasizing the need for a collaborative effort in building an agricultural risk reduction system [2] - The experience of Guangdong's weather index insurance is highlighted as a model for further research and improvement of existing products, advocating for automated design and the replacement of traditional products to enhance efficiency and reduce operational costs [3] - Participants expressed optimism that the collaboration between meteorological services and agricultural insurance will contribute significantly to national food security and rural revitalization efforts [3]