“保险+期货”提升花生生产防范风险能力

Core Viewpoint - The "Insurance + Futures" project for peanuts in Lankao County serves as a strong compensation mechanism for peanut growers facing market price fluctuations, enhancing their confidence in planting [1][2][3] Group 1: Project Overview - The project was initiated in 2021 with the launch of peanut futures, aiming to provide dual protection against price and yield risks for farmers [1] - Since its pilot in 2022, the project has accumulated a total guarantee amount of 1.42 billion yuan and paid out nearly 20 million yuan in claims, covering 140,000 tons of peanuts and benefiting 48,000 farming households [1][2] Group 2: Financial Mechanism - In 2022, the project covered 90,400 acres of peanut planting, providing 160 million yuan in risk protection, with total claims reaching 7.2283 million yuan, benefiting 6,044 households [2] - The project employs a "trigger lock enhanced Asian option" model to improve payout probabilities while reducing option costs, maximizing risk hedging efficiency [2] Group 3: Government Support and Impact - The funding mechanism involves a cost-sharing model with 25% from provincial finance, 22.14% from county finance, and 10% from farmers, lowering the threshold for participation [2] - The project has effectively compensated farmers for losses, especially in the context of adverse weather conditions in 2024 [2] Group 4: Agricultural Development and Innovation - The project promotes the integration of "five good" practices (good land, good seeds, good opportunities, good methods, good systems) to enhance yield and extend the industrial chain into food processing and logistics [2] - The experience from Lankao County has been replicated in other peanut-producing areas in Henan, showcasing a model for financial innovation in rural revitalization [3]