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“保险+期货”赋能乡村振兴方兴未艾
Zheng Quan Ri Bao·2025-06-15 14:17

Core Viewpoint - The "insurance + futures" model has evolved over the past decade, effectively serving the agricultural sector and providing a safety net for various essential agricultural products in China [1][2]. Group 1: Development and Impact - The "insurance + futures" model was officially launched in 2015 and has expanded from pilot programs to widespread implementation by 2025, covering products such as corn, apples, sugar, cotton, eggs, and pork [1]. - This model has played a significant role in ensuring farmers' income, stabilizing agricultural production expectations, and supporting rural revitalization, becoming a hallmark of financial services in the agricultural sector [1]. - The value of insured agricultural products has shown a steady annual increase, indicating the model's effectiveness in risk management [1]. Group 2: Regulatory Framework - In December of last year, the China Futures Association released the first industry normative document for the "insurance + futures" model, aiming to provide clear operational boundaries and guide healthy business development [1]. Group 3: Future Prospects and Challenges - There are still areas for improvement, such as increasing farmers' participation and enhancing local financial support [2]. - The premium-sharing mechanism has diversified, with government subsidies, exchange funds, and donations from futures companies helping to alleviate farmers' economic burdens [2]. - Future development of the "insurance + futures" model is expected to include broader coverage of specialty agricultural products and the introduction of more comprehensive risk management solutions [2].