Qi Huo Ri Bao Wang·2025-06-26 20:14Core Viewpoint - The successful launch of the "Silver Insurance and Futures" project for corn in Tacheng, Xinjiang, marks the first implementation of this initiative in the region, aimed at providing comprehensive support for farmers' income through a collaborative model involving banks, insurance, and futures companies [1][2]. Group 1: Project Overview - The "Silver Insurance and Futures" project is part of the 2025 "Farmers' Income Guarantee Plan" initiated by the Dalian Commodity Exchange, focusing on the "insurance + futures" model to support farmers [1][2]. - The project has a total insured area of 30,000 acres and a project amount of 48 million yuan, with the insurance policy issued to corn farmers completed by June 22 [2]. Group 2: Operational Model - The project employs a "leading enterprise + bank + insurance + futures" model, which helps farmers secure financing and sales through forward purchase orders and income insurance [2][3]. - The model provides four layers of protection for farmers: income insurance, forward purchase contracts, credit support based on the first two protections, and secondary pricing rights after grain sales [2]. Group 3: Financial Implications - This model enhances the safety of agricultural loans for banks by providing a comprehensive risk compensation mechanism, improving the quality and efficiency of financial services [3]. - The China Construction Bank is actively promoting this model to support rural revitalization and enhance the market-based risk-sharing and compensation mechanisms for agricultural loans [3]. Group 4: Strategic Importance - Xinjiang is positioned as a key area for high-quality corn production under the national "14th Five-Year Plan," leveraging its unique resources to build a comprehensive supply chain from high-yield planting to deep processing [4]. - The successful implementation of the "Silver Insurance and Futures" project is expected to pave the way for innovative financial services and contribute to the high-quality development of rural revitalization [4].