十年深耕 “保险+期货”实践价值日益凸显

Core Viewpoint - The "insurance + futures" model has effectively provided risk management solutions for farmers, particularly in the context of price volatility in agricultural products, contributing to sustainable development in the agricultural sector [1][2][4]. Group 1: Development and Impact of "Insurance + Futures" - The "insurance + futures" initiative began ten years ago, initially focusing on major agricultural products like cotton and sugar, and has since expanded significantly across various regions [1]. - In Shaanxi's Fuxian County, the program has insured 138,500 acres of apple orchards, covering a production volume of 207,000 tons and benefiting 9,171 households, with an average compensation of nearly 6,000 yuan per household [1][2]. - The program has provided a total insurance amount of 485 million yuan for 30,92 households, effectively mitigating market risks and supporting the high-quality development of the local apple industry [1][2]. Group 2: Financial Support and Growth - The Zhengzhou Commodity Exchange (ZCE) has supported 211 pilot projects across six agricultural products, with a total premium of 1.5 billion yuan and a coverage amount of 34.6 billion yuan [3]. - The average compensation rate stands at approximately 69%, with nearly 1.1 billion yuan paid out in claims, benefiting 760,000 households [3]. - Increased financial support from national and local governments has made the "insurance + futures" model more accessible to small and medium-sized farmers, enhancing agricultural risk management capabilities [5]. Group 3: Future Directions - To further enhance the effectiveness of the "insurance + futures" model, continuous efforts are needed to expand its coverage and improve collaboration among relevant departments [5]. - There is a call for local governments to increase policy support and work in conjunction with futures and insurance institutions to elevate the program's impact [5].