山东兰陵：“双向奔赴”打造蔬菜产业保障“升级版”

Core Viewpoint - The article highlights the collaboration between the government of Linyi County, Shandong Province, and various insurance companies to establish a multi-layered agricultural insurance system, particularly focusing on vegetable industry insurance to support farmers and promote rural revitalization [1][4]. Group 1: Agricultural Insurance Development - The central government has emphasized the need to improve the agricultural insurance system, particularly for specialty agricultural products, as outlined in the 2025 Central No. 1 Document [1]. - Linyi County has developed a "vegetable target income insurance" model, which enhances farmers' income security against market price fluctuations and natural disasters [4][10]. - The insurance model has been in place for ten years, covering various vegetables such as garlic, chili, cucumber, and potato, ensuring farmers receive compensation when market prices fall below target levels [4][10]. Group 2: Financial Mechanism and Support - The vegetable target income insurance is funded with 60% of the premium covered by provincial, municipal, and county-level finances, while farmers only pay 40% [10]. - The insurance compensates farmers for income losses due to price drops or reduced yields, with a specific example showing a target income of 3,600 yuan per mu (approximately 0.067 hectares) [10]. - The total area insured for garlic and garlic sprouts has reached 283,600 mu, providing risk coverage of 567 million yuan for over 30,000 farmers [12][13]. Group 3: Impact on Farmers - Farmers express increased confidence in their vegetable production due to the dual insurance mechanism that protects both yield and price [5][12]. - The insurance scheme has led to a significant increase in participation, with expectations to cover around 760,000 mu of vegetable income insurance, mitigating production risks of approximately 1.15 billion yuan [13]. - The collaboration between government and insurance companies has effectively utilized financial resources to stabilize the agricultural sector and enhance farmers' income security [13].