山东：保险改变贻贝养殖“靠天吃饭”困局

Core Insights - The introduction of policy-based marine aquaculture comprehensive meteorological index insurance has significantly improved the risk management for shellfish farmers in Rizhao City, transforming their reliance on unpredictable weather conditions into a more stable operational environment [1][2] Group 1: Industry Overview - Rizhao City is the largest base for mussel farming and export in China, with a marine farming area of 3,486 square kilometers [1] - The main mussel farming operations are characterized by decentralized management and low levels of comprehensive management, making them vulnerable to environmental changes and natural disasters [1] Group 2: Insurance Implementation - The policy-based mussel aquaculture comprehensive meteorological index insurance was launched in August 2024, covering an initial area of 10,000 acres and providing risk protection of 25 million yuan [1] - Local financial support of 1.1 million yuan in subsidy allows mussel farmers to only bear 20% of the insurance premium [1] Group 3: Risk Management - The insurance is based on meteorological indices such as wave height, water temperature, and wind speed to determine compensation thresholds [2] - When the relevant meteorological indices in the insured farming area reach or exceed the agreed thresholds, it triggers an insurance liability event, allowing for economic compensation based on predetermined standards [2]