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保险业加力探索新型农业经营主体“保障路”
Zheng Quan Ri Bao·2025-06-30 05:33

Core Viewpoint - The emergence of new agricultural entities such as professional cooperatives, family farms, and agricultural enterprises is crucial for the development of the "three rural issues" in the context of rural revitalization. Agricultural insurance plays a vital role in providing economic compensation and stabilizing the agricultural sector by addressing the diverse needs of these new entities [1]. Group 1: Agricultural Insurance as a Risk Management Tool - Agricultural insurance serves as an important "firewall" against risks posed by natural disasters like typhoons and heavy rains, providing economic compensation to new agricultural entities during crises [2]. - Local governments are actively implementing premium subsidy pilot programs for agricultural insurance to alleviate the financial burden on agricultural enterprises, cooperatives, and family farms [2]. Group 2: Innovative Agricultural Insurance Models - Various regions are exploring "Agricultural Insurance+" models to integrate insurance with credit and guarantee services, enhancing the overall risk management framework for agricultural entities [3]. - Policies encouraging agricultural insurance institutions to connect with financing platforms and utilize insurance data for credit enhancement are being developed, supporting new agricultural entities in obtaining credit loans [3]. Group 3: Challenges and Opportunities in Agricultural Insurance - There is a need to improve the alignment between insurance supply and the diverse demands of new agricultural entities, as current offerings primarily focus on traditional cost coverage [4]. - The lack of collaboration across departments and the fragmentation of data hinder the effective design and management of insurance products tailored to the needs of new agricultural entities [4]. - The development of specialized insurance products for agricultural machinery and services is recommended to address the unique risks faced by these entities [5].